Credit card -- Incorrect information on your report -- Complaint #13301031
Credit Card Account Status Disputed
Complaint Overview
Complaint ID: 13301031
Company: Navy Federal Credit Union
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Louisiana
ZIP Code: 70131
Date Received: 2025-04-30T12:00:00-05:00
Date Sent to Company: 2025-05-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The risk is low as the complaint pertains to a potential reporting error rather than a systemic issue or significant financial harm.
Consumer Sentiment: neutral
Topics: Credit reporting, Account status
AI Analysis
CFPB complaint 13301031 was filed against NAVY FEDERAL CREDIT UNION regarding Credit card (General-purpose credit card or charge card), specifically about "Incorrect information on your report". A consumer reported that their credit card account status was incorrectly reported as 'Closed with explanation' on their report. The complaint was received on April 30, 2025 from Louisiana. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports and dispute any inaccuracies with the credit bureau and the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers to ensure the accuracy of information provided on credit reports.
Regulatory Insight
Furnishers must investigate disputes and correct any inaccurate information, including account status, in a timely manner.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
This complaint was filed in Louisiana.
Industry Comparison
Reporting errors on credit accounts are a common type of consumer complaint across the credit card industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13301031 about?
CFPB complaint 13301031 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against NAVY FEDERAL CREDIT UNION on April 30, 2025.
Which company is complaint 13301031 filed against?
Complaint 13301031 was filed against NAVY FEDERAL CREDIT UNION. You can view all complaints against this company on their profile page at /company/navy-federal-credit-union.
What was the company's response to complaint 13301031?
NAVY FEDERAL CREDIT UNION responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13301031 filed?
Complaint 13301031 was received by the CFPB on April 30, 2025. It was sent to NAVY FEDERAL CREDIT UNION on May 2, 2025.
What state was complaint 13301031 filed from?
Complaint 13301031 was filed from Louisiana. You can view all complaints from this state at /state/LA.
Was the consumer satisfied with the resolution of complaint 13301031?
Dispute information is not available for complaint 13301031.
What product category is complaint 13301031 about?
Complaint 13301031 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 13301031 submitted?
Complaint 13301031 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 13301031?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers to ensure the accuracy of information provided on credit reports. This relates to a Credit card complaint against NAVY FEDERAL CREDIT UNION involving "Incorrect information on your report".
How likely is complaint 13301031 to be resolved?
Resolution likelihood: unlikely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13301031?
This complaint is rated as low risk. The risk is low as the complaint pertains to a potential reporting error rather than a systemic issue or significant financial harm.
What regulatory actions apply to complaint 13301031?
Furnishers must investigate disputes and correct any inaccurate information, including account status, in a timely manner. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 13301031?
Consumers should regularly review their credit reports and dispute any inaccuracies with the credit bureau and the credit reporting agency.
Are there state-specific protections for complaint 13301031?
This complaint was filed in Louisiana. This complaint was filed from Louisiana.
How does complaint 13301031 compare to industry norms?
Reporting errors on credit accounts are a common type of consumer complaint across the credit card industry.
What steps should a consumer take if they believe their credit card account status has been reported incorrectly?
The consumer should first contact the credit card issuer (furnisher) to request a correction. If the issuer does not resolve the issue, the consumer can dispute the information directly with the credit bureaus (Equifax, Experian, TransUnion).
Disclaimer
This analysis is AI-generated and does not constitute legal advice.