Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20926338
Navy Federal Credit Union Accused of Reporting Incorrect Account Information
Complaint Overview
Complaint ID: 20926338
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 information incorrect
State: New York
ZIP Code: 10039
Date Received: 2026-04-03T12:00:00-05:00
Date Sent to Company: 2026-04-03T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing, and can be difficult to rectify.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 20926338 was filed against NAVY FEDERAL CREDIT UNION regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported incorrect account information on their credit report from Navy Federal Credit Union in New York, and the complaint is currently in progress. The complaint was received on April 3, 2026 from New York. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors with the credit reporting agency and the creditor.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer credit information.
Regulatory Insight
Furnishers of information, like credit unions, have a responsibility to investigate disputes and correct any inaccuracies reported to credit bureaus.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In New York, consumers have rights under state and federal law to ensure the accuracy of their credit reports.
Industry Comparison
Disputes over incorrect account information are common in the credit reporting industry, affecting many financial institutions.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20926338 about?
CFPB complaint 20926338 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against NAVY FEDERAL CREDIT UNION on April 3, 2026.
Which company is complaint 20926338 filed against?
Complaint 20926338 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 20926338?
NAVY FEDERAL CREDIT UNION responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20926338 filed?
Complaint 20926338 was received by the CFPB on April 3, 2026. It was sent to NAVY FEDERAL CREDIT UNION on April 3, 2026.
What state was complaint 20926338 filed from?
Complaint 20926338 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 20926338?
Dispute information is not available for complaint 20926338.
What product category is complaint 20926338 about?
Complaint 20926338 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 20926338 submitted?
Complaint 20926338 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 20926338?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer credit information. This relates to a Credit reporting or other personal consumer reports complaint against NAVY FEDERAL CREDIT UNION involving "Incorrect information on your report".
How likely is complaint 20926338 to be resolved?
Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 20926338?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing, and can be difficult to rectify.
What regulatory actions apply to complaint 20926338?
Furnishers of information, like credit unions, have a responsibility to investigate disputes and correct any inaccuracies reported to credit bureaus. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 20926338?
Consumers should regularly review their credit reports for accuracy and dispute any errors with the credit reporting agency and the creditor.
Are there state-specific protections for complaint 20926338?
In New York, consumers have rights under state and federal law to ensure the accuracy of their credit reports. This complaint was filed from New York.
How does complaint 20926338 compare to industry norms?
Disputes over incorrect account information are common in the credit reporting industry, affecting many financial institutions.
What steps should a consumer take if Navy Federal Credit Union does not resolve the incorrect account information dispute?
If the dispute is not resolved satisfactorily, the consumer can file a complaint with the CFPB, the relevant state regulatory agency, or consider legal action.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.