Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (MD)

Subject : Urgent Demand for Immediate Deletion of Military Star from Credit Report for Multiple FCRA and TILA Violations : I am writing to bring to your attention a critical issue concerning the inaccurate reporting of Military Star account number XXXX on my XXXX credit report. The discrepancies pertain to the original delinquency date associated with this account, which has been incorrectly reported as XX/XX/XXXX instead of the actual date of first delinquency, which is XXXX XX/XX/XXXX. 

Despite my diligent efforts to address this issue directly with the parties involved, namely Military Star, the Army & Air Force Exchange Service ( AAFES ), and XXXX, the inaccurate information has not been rectified. I have engaged in extensive communication with Military Star and their third-party collection agency, XXXX XXXX, providing documented evidence of the correct original delinquency date and requesting for the necessary corrections to be made. However, these efforts have not yielded a satisfactory resolution, prompting me to escalate this matter to the Consumer Financial Protection Bureau for further investigation and resolution. 

It is crucial to emphasize that the original delinquency date plays a significant role in the accurate reporting of my credit history. The date of XXXX XX/XX/XXXX represents the true onset of delinquency with Military Star, the original creditor, before the account was transferred to XXXX XXXX  in XX/XX/XXXX. The incorrect reporting of XX/XX/XXXX as the original delinquency date misrepresents my credit history and may have adverse effects on my creditworthiness.

I have formally requested that Military Star and AAFES rectify the inaccuracies in my credit report as per the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). I have also requested copies of my account statements to accurately document the complete history of my Military Star account, which they have failed to provide. Military Star has suspiciously only given documentation starting from XX/XX/XXXX, denying me access to my full account history, which constitutes another violation of TILA and FCRA. Despite my repeated requests, the incorrect information persists, and recent attempts to address the issue have led to further errors, such as changing the account date incorrectly to XX/XX/XXXX as of XXXX XX/XX/XXXX. 

The violations committed by Military Star, AAFES, and XXXX are egregious and include : Fair Credit Reporting Act ( FCRA ) Violations : 1. Reporting Inaccurate Information : The FCRA requires that information reported by creditors to credit reporting agencies be accurate. Failure to update the original delinquency date to reflect the correct information is considered reporting inaccurate information. 

2. Duty to Correct Errors : Under the FCRA, creditors have a duty to thoroughly investigate and correct any inaccuracies reported on a consumer 's credit report. By not updating the original delinquency date despite being notified of the discrepancy, Military Star and AAFES violated this provision. 

3. Failure to Provide Notice of Dispute : I have formally disputed the inaccurate information and provided evidence of the correct original delinquency date. Creditors are required to investigate the dispute and correct any inaccuracies. Failure to do so is a violation of the FCRA. 

4. Failure to provide accurate and complete information : By only providing documentation starting from XX/XX/XXXX, Military Star has failed to furnish the complete account history, which is required under the FCRA for ensuring the accuracy and fairness of credit reporting. 

5. Incorrect reporting of the account status : Re-aging an account by changing the date to make it appear more recent or extending the reporting period beyond what is allowed under the FCRA is considered a violation. This practice can mislead creditors and negatively impact the consumer 's credit history. 

Truth in Lending Act ( TILA ) Violations : 1. Accuracy of Account Information : The TILA requires creditors to provide accurate and truthful information to consumers regarding their accounts. By failing to update the original delinquency date to reflect the accurate information, Military Star and AAFES violated this requirement. 

2. Fair Treatment of Consumers : The TILA aims to protect consumers by ensuring fair treatment in credit transactions. By not updating the inaccurate information despite being aware of the discrepancy, Military Star and AAFES are engaging in unfair practices that violate the spirit of the TILA. 

3. Disclosure of Key Information : Creditors are required to provide consumers with accurate and complete information about their accounts. Failing to update the original delinquency date could result in consumers being misled about the true status of their accounts and violates TILA disclosure requirements. 

4. Failure to provide complete account statements : TILA mandates that creditors provide accurate and complete information about a consumer 's account, including the full account history. By withholding account statements prior to XX/XX/XXXX, Military Star has violated the disclosure requirements set forth by TILA. 

5. Misrepresentation of account information : Re-aging an account with a new, incorrect date can misrepresent the actual history of the account, leading to inaccurate reporting to credit bureaus. This violates the TILA requirement for creditors to provide accurate and transparent information about a consumer 's credit accounts. 

These violations not only compromise the integrity of my credit report but also violate my consumer rights under federal laws established to shield individuals from erroneous and deceptive credit reporting practices. 

I respectfully demand that the Consumer Financial Protection Bureau promptly initiate a comprehensive investigation into this matter and enforce appropriate actions against Military Star, AAFES, and XXXX for their blatant violations of the FCRA and TILA. It is imperative that these entities be held accountable for their non-compliance with federal regulations to protect consumer rights and ensure equitable and precise credit reporting practices. 

I urge immediate action to delete the inaccuracies on my credit report and restore the integrity of my credit history in full compliance with the FCRA and TILA. 

Thank you for your immediate attention to this urgent matter. I anticipate a swift response and resolution to rectify the violations outlined above.