Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX | SSN ( Last XXXX ) : XXXX Respondents : Navy Federal Credit Union Furnisher XXXX XXXX XXXX | XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agency Equifax Information Services , LLC ( Listed for reference ; not currently misreporting ) XXXX. Nature of Complaint This complaint concerns knowingly false, inconsistent, and damaging credit reporting by Navy Federal Credit Union, and the failure of Experian and TransUnion to ensure maximum possible accuracy under the Fair Credit Reporting Act ( FCRA ). 
The account in question is : Creditor : Navy Federal Credit Union Account # : XXXX Date Opened : XX/XX/XXXX Reported Balance : ~ {$2000.00} Disputed Late Payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX. Chronology and Core Facts I have never been late on this Navy Federal account. 
The XX/XX/XXXX and XX/XX/XXXX late payments occurred during a documented medical hardship period, for which I provided written notice and supporting records to Navy Federal under the CARES Act and CFPB guidance requiring hardship accommodation and accurate reporting. 

The XX/XX/XXXX late payment is completely false payment records prove the account was paid on or before the due date. 

XXXX  and XXXX  are the only bureaus still reporting these false late payments, while XXXX  correctly shows the account as current. This inconsistency is irrefutable evidence of inaccuracy and noncompliance with FCRA 1681e ( b ).

Both bureaus were formally notified and given an opportunity to correct the error. Instead, they verified the false data without investigation and ignored my documentation. 

Official Dispute References : XXXX  Reference # : XXXX XXXX XXXX  Case # : XXXX XXXX  These references confirm receipt of my disputes and document each bureaus failure to reasonably reinvestigate as required by FCRA 1681i ( a ) ( 1 ) ( A ).

3. Violations By Navy Federal Credit Union ( Furnisher ) : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Knowingly furnishing false information.

FCRA 1681s-2 ( b ) : Failing to investigate and correct errors after notice. 
FCRA 623 ( a ) ( 8 ) : Failing to delete unverifiable data. 
CFPB Bulletins XXXX & XXXX : Noncompliance with accuracy and furnishing obligations. 
By XXXX XXXX XXXX ( Credit Bureaus ) : FCRA 1681e ( b ) : Failing to maintain maximum possible accuracy evidenced by conflicting reports compared to Equifax.

FCRA 1681i ( a ) ( 1 ) ( A ) : Failing to conduct a reasonable reinvestigation.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failing to provide the method of verification.

FCRA 1681i ( a ) ( 5 ) ( A ) : Failing to delete unverifiable information. 

Specific Case Evidence : Experian Reference # XXXX XXXX : Verified without documentation ; ignored evidence of on-time payments and medical hardship. 

XXXX  XXXX # XXXX XXXX  : Marked as verified, yet never reviewed supporting proof ; continues to show inaccurate XXXX and XXXX late marks. 

XXXX. Pattern of Negligence This has been an ongoing pattern since XXXX, with repeated disputes ignored or verified without proof. 
The fact that XXXX  does not report the same late payments demonstrates reckless inconsistency and negligence by both XXXX  and XXXX. 

Their actions have caused : Over XXXX XXXX XXXX loss, Loan and refinance denials, Higher interest rates, and Reputational harm through false delinquency reporting. 
These violations represent defamation of character, negligent enablement of identity fraud, and willful noncompliance with federal law. 

XXXX. Requested CFPB Action I request that the CFPB enforce immediate corrective and disciplinary action under the FCRA and Dodd-Frank XXXX, including : Immediate deletion of all inaccurate late-payment notations ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 
Formal certification from Navy Federal verifying all future data furnished will be accurate and verified.

Mandatory audit of Experian and TransUnion for non-compliance with 1681e ( b ) and 1681i.

Civil penalties, restitution, and statutory damages for willful and negligent violations under FCRA 616 [ 15 U.S.C. 1681n ]. 

XXXX. Evidence Provided Payment proof showing XX/XX/XXXX was on-time Medical hardship documentation ( XX/XX/XXXX & XX/XX/XXXX ) Credit reports from all three bureaus showing discrepancies Prior dispute letters & certified mail receipts XXXX  Reference # XXXX and XXXX  Case # XXXX documentation 7. Statement of Truth I, XXXX XXXX, declare under penalty of perjury that all statements in this complaint are true and correct. I have filed this complaint personally and have not authorized any third party to act on my behalf. 
Signed : XXXX XXXX Date : [ XX/XX/XXXX ] XXXX : XXXX, PA

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