Credit card -- Incorrect information on your report -- Complaint #20916151
Incorrect Credit Card Account Status Reported
Complaint Overview
Complaint ID: 20916151
Company: Army And Air Force Exchange Service
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Arizona
ZIP Code: 85339
Date Received: 2026-04-03T12:00:00-05:00
Date Sent to Company: 2026-04-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Risk Assessment
Risk Level: low
The risk is low as the issue appears to be a data entry or reporting error rather than a systemic problem or fraud.
Consumer Sentiment: neutral
Topics: Credit reporting, Account status, Consumer disputes
AI Analysis
CFPB complaint 20916151 was filed against Army and Air Force Exchange Service 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 3, 2026 from Arizona. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly check their credit reports for accuracy and dispute any incorrect information promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers to ensure the accuracy of information provided.
Regulatory Insight
Furnishers must investigate disputes and correct any inaccuracies found on consumer reports.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
This issue occurred in Arizona and was reported on April 3, 2026.
Industry Comparison
Incorrect reporting of account status is a common issue across various credit products, but typically resolved through dispute processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20916151 about?
CFPB complaint 20916151 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 Army and Air Force Exchange Service on April 3, 2026.
Which company is complaint 20916151 filed against?
Complaint 20916151 was filed against Army and Air Force Exchange Service. You can view all complaints against this company on their profile page at /company/army-and-air-force-exchange-service.
What was the company's response to complaint 20916151?
Army and Air Force Exchange Service responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 20916151 filed?
Complaint 20916151 was received by the CFPB on April 3, 2026. It was sent to Army and Air Force Exchange Service on April 3, 2026.
What state was complaint 20916151 filed from?
Complaint 20916151 was filed from Arizona. You can view all complaints from this state at /state/AZ.
Was the consumer satisfied with the resolution of complaint 20916151?
Dispute information is not available for complaint 20916151.
What product category is complaint 20916151 about?
Complaint 20916151 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 20916151 submitted?
Complaint 20916151 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 20916151?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers to ensure the accuracy of information provided. This relates to a Credit card complaint against Army and Air Force Exchange Service involving "Incorrect information on your report".
How likely is complaint 20916151 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 20916151?
This complaint is rated as low risk. The risk is low as the issue appears to be a data entry or reporting error rather than a systemic problem or fraud.
What regulatory actions apply to complaint 20916151?
Furnishers must investigate disputes and correct any inaccuracies found on consumer reports. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 20916151?
Consumers should regularly check their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 20916151?
This issue occurred in Arizona and was reported on April 3, 2026. This complaint was filed from Arizona.
How does complaint 20916151 compare to industry norms?
Incorrect reporting of account status is a common issue across various credit products, but typically resolved through dispute processes.
What steps should a consumer take if they discover incorrect information on their credit report?
The consumer should file a dispute with the credit reporting agency and the creditor that provided the information. They should provide supporting documentation for their claim.
How long does a credit reporting agency typically have to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a dispute, with a possible extension to 45 days if the consumer provides additional information after the initial submission.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.