Consumer complaint received 2022-08-29
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
I sent a dispute to Navy Federal Credit Union regarding an account with late payments. Navy Federal Credit Union has violated my rights by reporting data that is in violation of the FCRA. 

According to the FCRA In accordance with the fair credit Reporting act Navy Federal Credit Union accou

nt ending in 2593, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Account name NAVY FEDERAL CR UNION Account number XXXX .... 
Recent balance {$4300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number Not available Type Credit card Terms NA Credit limit or original amount {$4500.00} High balance {$4800.00} Monthly payment {$87.00} Recent payment amount {$160.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Account history XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment history guide 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$4100.00} / XX/XX/XXXX / {$85.00} / {$0.00} XX/XX/XXXX : {$4200.00} / XX/XX/XXXX / {$84.00} / No data XXXX XXXX : {$4100.00} / XX/XX/XXXX / {$95.00} / {$600.00} XX/XX/XXXX : {$4700.00} / XX/XX/XXXX / {$83.00} / {$100.00} XX/XX/XXXX : {$4100.00} / XX/XX/XXXX / {$91.00} / {$180.00} XX/XX/XXXX : {$4500.00} / XX/XX/XXXX / {$89.00} / {$87.00} XX/XX/XXXX : {$4300.00} / XX/XX/XXXX / {$90.00} / {$200.00} XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$88.00} / {$250.00} XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$88.00} / {$150.00} XX/XX/XXXX : {$4700.00} / XX/XX/XXXX / {$90.00} / {$100.00} XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$90.00} / {$450.00} XX/XX/XXXX : {$4400.00} / XXXX XXXX, XXXX / {$92.00} / {$150.00} XXXX XXXX : {$4500.00} / XXXX XXXX, XXXX / {$88.00} / {$1000.00} XX/XX/XXXX : {$4300.00} / XX/XX/XXXX / {$90.00} / {$180.00} XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$90.00} / No data XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$62.00} / {$100.00} XX/XX/XXXX : {$3000.00} / XX/XX/XXXX / {$73.00} / {$270.00} XX/XX/XXXX : {$4500.00} / XX/XX/XXXX / {$84.00} / No data XX/XX/XXXX : {$4500.00} / XX/XX/XXXX / {$73.00} / {$73.00} XX/XX/XXXX : {$4000.00} / XX/XX/XXXX / {$0.00} / No data XX/XX/XXXX : {$0.00} / XX/XX/XXXX / {$0.00} / {$1500.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$4500.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$1500.00}

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