Consumer complaint received 2021-06-24
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a Covid-19 related late payment dispute from a Navy Federal Go Rewards Credit Card for the months of XXXX and XX/XX/XXXX. Account # XXXX XXXX XXXX XXXX On XX/XX/XXXX, I sent a removal request letter to the CEO of Navy Federal Credit Union. I did not receive a response, nor were the late payments removed. On XX/XX/XXXX, I called Navy Federal Credit Union to inquire about the removal process of the 2 Covid-19 related late payments being reported and not removed. I was directed to file a dispute directly through the credit bureaus. I filed a dispute, in which the bureau reports Navy Federal confirmed the report to be accurate and did not remove the late payments. I called Navy Federal back with the results of the disputes. They then directed me to write dispute letter, enclosed with my credit reports and send it directly to them. They received that letter on XX/XX/XXXX. On XX/XX/XXXX they sent me a standard email saying the exact same thing the bureaus did. 

They are unaware of or not following the law in accordance with Section 4201 " Credit Protection During Covid-19 '' I am not disputing anything before XX/XX/XXXX. I am disputing ( 2 ) 30 day late payments appearing on all 3 of my credit reports for XXXX and XX/XX/XXXX. This account is open and not a charge-off. Legally these should not be there. I am a victim of XXXX please remove immediately and replace with current or ok status on all 3 credit reports. See Below SEC. 4021. CREDIT PROTECTION DURING COVID19.

Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C.

1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. 
( i ) DEFINITIONS.In this subsection : ( I ) ACCOMMODATION.The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) COVERED PERIOD.The term covered period means the period beginning on XXXX XXXX XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect ; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) EXCEPTION.Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.. 

I will provide copies of my credit report, account number if needed. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation