Consumer complaint received 2025-11-18 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:
AFFIDAVIT OF XXXX XXXX XXXX OF GEORGIA ) ) ss. 
COUNTY OF XXXX ) I, XXXX XXXX, being of legal age, sound mind, and competent to make this affidavit, do hereby declare under penalty of perjury as follows : I am a resident of XXXX, Georgia XXXX, and I am over the age of 18 years. 
I opened a credit card account with Navy Federal Credit Union ( hereinafter " Navy Federal '' ) on or about XX/XX/XXXX, with account number ending in XXXX XXXX XXXX XXXX ( full account number XXXXXXXX XXXX XXXX XXXX XXXX as reported by XXXX  ). 
This account was a revolving credit card with an original credit limit of {$2900.00}, and I used it for personal expenses in the ordinary course of my financial affairs. 
According to my credit report from TransUnion, dated as last verified on XX/XX/XXXX, Navy Federal reported multiple instances of negative information regarding this account to TransUnion, a consumer reporting agency as defined under 15 U.S.C. 1681a ( p ). Specifically, the two-year payment history reflects the following delinquencies and late payments : 30 days late in XX/XX/XXXX ; 60 days late in XX/XX/XXXX ; 90 days late in XX/XX/XXXX ; 30 days late in XX/XX/XXXX ; 30 days late in XX/XX/XXXX ; 30 days late in XX/XX/XXXX ; 30 days late in XX/XX/XXXX. 

These reports constitute " negative information '' as defined in 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( G ) ( i ), which includes information concerning a customer 's delinquencies, late payments, insolvency, or any form of default. 
The account was ultimately closed on XX/XX/XXXX, with a balance owed of {$2300.00}, and noted as " Canceled by credit grantor '' under creditor remarks. The last payment I made was on XX/XX/XXXX, in the amount of {$56.00}. 
Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), any financial institution that extends credit and regularly furnishes information to a consumer reporting agency must provide a written notice to the customer if it furnishes negative information regarding credit extended to that customer. This notice must be provided prior to, or no later than 30 days after, furnishing the negative information. 
Navy Federal is a financial institution as defined under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( G ) ( ii ) and 15 U.S.C. 6809, and it regularly furnishes information to consumer reporting agencies in the ordinary course of business.

Despite Navy Federal furnishing the aforementioned negative information to TransUnion on multiple occasions, including reports of delinquencies and late payments spanning from XX/XX/XXXX through XX/XX/XXXX, I never received any written notice from Navy Federal informing me of its intent to furnish or its actual furnishing of such negative information to any consumer reporting agency. 
I have diligently reviewed all correspondence, billing statements, notices of default, and other materials received from Navy Federal related to this account, including but not limited to account statements, emails, and mailed documents, and no such notice as required by 15 U.S.C. 1681s-2 ( a ) ( 7 ) was ever provided to me, either prior to the furnishing of the negative information or within 30 days thereafter.

The absence of this required notice violates 15 U.S.C. 1681s-2 ( a ) ( 7 ), as Navy Federal failed to comply with its statutory duty to notify me in writing of the furnishing of negative information.

Furthermore, Navy Federal 's failure does not qualify for the safe harbor provision under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( F ), as there is no indication that Navy Federal maintained reasonable policies and procedures to comply with this requirement or reasonably believed it was prohibited by law from contacting me.

As a direct result of Navy Federal 's violation, the negative information has appeared on my credit report, potentially harming my creditworthiness and financial opportunities. 
I make this affidavit based on my personal knowledge and review of my records and credit reports. Attached hereto as Exhibit A is a copy of the relevant excerpt from 15 U.S.C. 1681s-2 ( a ) ( 7 ) defining the notice requirement for negative information. Attached as Exhibit B is a copy of the Navy Federal account details from my TransUnion credit report, showing the furnished negative information. 

FURTHER AFFIANT SAYETH NAUGHT. 
I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 
Executed on this XXXX day of XXXX, XXXX. 

XXXX XXXX

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