Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Reporting Dear XXXX, I am writing to formally dispute the accuracy of information reported on my credit report regarding an account with [ Creditor 's Name ], account number [ Account Number ]. According to my records, this account is currently being reported as 30 days late for the month XXXX. I believe this information is inaccurate and violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, Section 602 ( a ) ( 1 ), consumers have the right to obtain accurate and complete information in their credit reports. The reporting of a charge-off account as 30 days late when it should not be is a direct violation of this provision. Additionally, Section 623 ( a ) ( 1 ) states that furnishers of information must not provide inaccurate information to consumer reporting agencies. As such, I request that you investigate this matter and remove or correct the inaccurate reporting.

Furthermore, under FCRA Section 609 ( e ), I am entitled to request additional documentation supporting the accuracy of this reporting. If the creditor can not provide sufficient evidence that the account is accurately reported, I demand that this misinformation be removed from my credit report.

I have attached supporting documents, including my credit report with the disputed account highlighted, and any relevant correspondence with the creditor. I request that you complete your investigation within the 30-day time frame mandated by the FCRA and provide me with a written response detailing the results of your investigation.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **For XXXX XXXX ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Dear XXXX, I am writing to formally dispute the accuracy of information reported on my credit report regarding an account with [ Creditor 's Name ], account number [ Account Number ]. According to my records, this account is currently being reported as 30 days late for the month of XXXX. I believe this information is inaccurate and violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Furthermore, under FCRA Section 609 ( e ), I am entitled to request additional documentation supporting the accuracy of this reporting. If the creditor can not provide sufficient evidence that the account is accurately reported, I demand that this misinformation be removed from my credit report.

In addition to the FCRA, the FDCPA prohibits the furnishing of misleading information. Section 807 ( 2 ) ( A ) explicitly states that a debt collector may not indicate that a consumer owes any debt unless such a debt is made known to be owed. The reporting of this account as 30 days late may mislead potential creditors about my creditworthiness.

I have attached supporting documents, including my credit report with the disputed account highlighted, and any relevant correspondence with the creditor. I request that you complete your investigation within the 30-day time frame mandated by the FCRA and provide me with a written response detailing the results of your investigation.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Dear XXXX, I am writing to formally dispute the accuracy of information reported on my credit report regarding an account with Navy Federal Credit Union. According to my records, this account is currently being reported as 30 days late for the month of XXXX. I believe this information is inaccurate and violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Furthermore, under FCRA Section 609 ( e ), I am entitled to request additional documentation supporting the accuracy of this reporting. If the creditor can not provide sufficient evidence that the account is accurately reported, I demand that this misinformation be removed from my credit report.

I have attached supporting documents, including my credit report with the disputed account highlighted, and any relevant correspondence with the creditor. I request that you complete your investigation within the 30-day time frame mandated by the FCRA and provide me with a written response detailing the results of your investigation.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX, trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief