Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I recently view copies of my ( XXXX, XXXX and XXXX ) consumer reports and noticed that it is reporting my experience with your company. I wrote a letter regarding transactions and experiences ( utilization ) and payments that were marked late and reported by Navy Federal Credit Union ( NFCU ) for the following account ( s ) on the following date ( s ) : Used Vehicle Loan # XXXX, late payment date XX/XX/year> Visa Signature XXXX  XXXX  # XXXX late payment date XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX last reported XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX last reported XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX last reported XX/XX/year> This reporting is illegal and NAVY FEDERAL CREDIT UNION is in clear violation of the law. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences ( utilization and late payments ) between the consumer ( I ) and the person ( NAVY FEDERAL CREDIT UNION ) making the report. 

Utilization is an experience with the line of credit that was extended between the consumer ( I ) and the person ( NAVY FEDERAL CREDIT UNION ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between NFCU and I. 

NFCU HAVE VIOLATED THE FCRA 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) by reporting these transactions or experiences ( UTILIZATION AND LATE PAYMENTS ) on my consumer report which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.

I GAVE 30 calendar days to update my utilization to 0 % usage and remove the late payments from said accounts and consumer reports with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ). Do not remove but update said accounts to pays as agreed or in good standing. 

Furthermore, I am REQUEST that NFCU provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that THEY have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

NFCU HAD 30 days from the date that THEY receive this letter to provide me with the information that I am REQUESTED. NFCU did not provide this information in the allotted time given, and it is assumed that NFCU can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ).

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