Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX Company Name : Navy Federal Credit Union Account : XXXXXXXX XXXX XXXX Complaint Type : False information on credit report FCRA violations Summary of Complaint : I am filing this complaint to formally demand immediate correction of multiple legal violations and serious reporting inaccuracies by Navy Federal Credit Union regarding my account ( # XXXX XXXX XXXX ). 

Despite maintaining a flawless payment history, Navy Federal has reported a false late payment, along with conflicting account numbers and inconsistent reporting dates, all of which constitute clear violations of the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and basic consumer rights. 

These inaccuracies have severely damaged my financial reputation, caused significant emotional distress, and unjustly harmed my ability to obtain credit and housing opportunities. 

Specific Violations and Facts : False Late Payment Reporting : I have never been late on this account. 

Reporting a late payment where no delinquency exists is a material misrepresentation and violates FCRA 1681e ( b ) requiring maximum possible accuracy.

This false reporting has been disputed since 2022 with no lawful validation or correction. Conflicting Account Numbers Across Bureaus : The same N
avy Federal account is reported under different account numbers : Correct with XXXXXXXX  and XXXX  ( # XXXXXXXX XXXX XXXX ) Incorrect with XXXX  ( # XXXXXXXX XXXX XXXX ) Conflicting identifiers for the same trade line violate FCRA 1681e ( b ) and suggest gross negligence or systemic failure to maintain accurate records.

Inconsistent and False Reporting Dates : " Date of last payment, '' " date opened, '' and " last updated '' vary significantly across credit bureaus.

Inconsistent dates confuse lenders, harm underwriting decisions, and constitute separate FCRA violations for inaccurate reporting.

Improper Reporting of Transaction Data as Derogatory : Under FCRA 1681a ( d ) ( 2 ) ( A ) ( i ), consumer transaction/experience data between a consumer and a creditor is excluded from the definition of a derogatory consumer report item.

Payment history is a transaction, not a derogatory third-party collection or charge-off.

Therefore, negative reporting based solely on internal transactions is unlawful without proper third-party intervention.

Truth in Lending Act ( TILA ) Violations : Under 15 U.S.C. 1637 ( b ) and 1666b, payments must be properly disclosed and given appropriate grace periods.

If a payment was timely made but posted late internally by Navy Federal, it can not legally be reported as late.

Navy Federals failure to ensure compliance with these standards has wrongfully damaged my file.

Impact of Navy Federal 's Negligence : Severe emotional and psychological distress Financial hardship, including denials for housing and cre
dit opportunities Reputational harm across the lending and banking community Significant time and resources spent on repeated disputes since 2022 These damages are cumulative and ongoing, and Navy Federal 's failure to correct its reporting in a timely manner rises to the level of willful and negligent noncompliance under FCRA 1681n and 1681o.

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