Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7581730
Complaint Overview
Complaint ID: 7581730
Company: Navy Federal Credit Union
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 33426
Date Received: 2023-09-20T12:00:00-05:00
Date Sent to Company: 2023-09-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
This line of credit account has multiple inaccuracies and missing information that do not align with all three bureaus. Attached is an image where I have highlighted every inaccuracy on my credit report. These inaccuracies include account type, Date opened, payment status, last reported, date last active, and payment history. Not one of the late payment history payments are reported the same for any bureaus. It is clear that the proper procedures to ensure maximum accuracy were not followed and as a result my credit has been in shambles for years. These inaccuracies on my credit report are violation of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately or updated to 0 late payments for all bureaus.
Frequently Asked Questions
What is Complaint #7581730 about?
Complaint #7581730 was filed against Navy Federal Credit Union regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-09-20T12:00:00-05:00.
How did Navy Federal Credit Union 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 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.