Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12734089
Complaint Overview
Complaint ID: 12734089
Company: Army And Air Force Exchange Service
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: North Carolina
ZIP Code: 28311
Date Received: 2025-03-30T12:00:00-05:00
Date Sent to Company: 2025-03-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am writing to dispute inaccurate and misleading information being reported on my XXXX credit file regarding the above-referenced XXXX XXXX account. The account is currently being reported under the Collections section of my credit report. This is showing negative payment history. This is incorrect and misleading. I paid the full balance directly to the original creditor ( XXXX XXXX ), and the account was subsequently closed and marked as paid. It is therefore inappropriate and damaging to continue listing this account as a collection. The payment history reflects red indicators ( typically used to denote active collections ) for months after the final payment and closure date, which is both inaccurate and unfair. This has affected my credit for a whole year and fixing this payment history will not be enough. I am asking for deletion of this entire account, due to my credit suffering even after paying in full. This reporting misrepresents the accounts status and violates the principles of accurate and fair credit reporting as outlined in the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate reinvestigation and correction of this error. The account should be removed from the Collections section and updated to accurately reflect its true status : Paid and Closed with the original creditor.
Frequently Asked Questions
What is Complaint #12734089 about?
Complaint #12734089 was filed against Army And Air Force Exchange Service regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-03-30T12:00:00-05:00.
How did Army And Air Force Exchange Service respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Army And Air Force Exchange Service?
Yes, visit the Army And Air Force Exchange Service company profile at readthecomplaint.com/company/army-and-air-force-exchange-service to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.