Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17916109
Complaint Overview
Complaint ID: 17916109
Company: Navy Federal Credit Union
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Florida
ZIP Code: 33068
Date Received: 2025-10-30T12:00:00-05:00
Date Sent to Company: 2025-12-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This letter serves as a formal dispute and demand for deletion under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The following item appearing on my credit report is inaccurate, incomplete, and unverifiable : Creditor : Navy Federal Credit Union Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : $ XXXX Monthly Payment : $ XXXXUnder 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of this disputed information within 30 days. If the furnisher of the information can not provide full and verifiable documentation that proves the accuracy and ownership of this account, it must be deleted immediately from my credit file under 1681i ( a ) ( 5 ) ( A ) .Additionally, under 1681e ( b ), credit reporting agencies are legally obligated to maintain maximum possible accuracy in consumer reports. Reporting unverifiable or outdated information constitutes a direct violation of this statute.If Navy Federal Credit Union can not supply original signed documentation or verifiable records establishing that this account belongs to me and that the data reported is completely accurate, then you are required by law to delete it.I am requesting that this item be deleted entirely rather than updated or corrected, as its reporting has caused inaccurate representation of my creditworthiness. Please send me : A written response confirming deletion of the account, or Full documentation of how the account was verified, including the name, address, and telephone number of the furnisher.Failure to comply with the FCRA requirements may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, civil action under 15 U.S.C. 1681n for willful noncompliance.
Frequently Asked Questions
What is Complaint #17916109 about?
Complaint #17916109 was filed against Navy Federal Credit Union regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-10-30T12:00:00-05:00.
How did Navy Federal Credit Union respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 Navy Federal Credit Union?
Yes, visit the Navy Federal Credit Union company profile at readthecomplaint.com/company/navy-federal-credit-union 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.