Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) across all three credit bureaus : XXXX, XXXX, and XXXX. The errors and violations make the reporting misleading, inconsistent, and unverifiable, requiring immediate deletion of this account. '' Future Date Reporting ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681i ( a ) ( 5 ) Unverifiable Information Must Be Deleted XXXX, XXXX, and XXXX report a 'Balance Updated " date of XX/XX/XXXX. 
This is impossible since we are already in XX/XX/XXXX. 
Any inaccurate or unverifiable information must be removed under the FCRA. 

Charge-Off with an Outstanding Balance ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681s-2 ( a ) Furnishers Must Report Accurate Information The account is reported as charged off but still shows a past due balance of {$30000.00}. 
A charge-off means the lender has written off the debt and should not be reporting an outstanding balance. 
If the debt was sold or transferred, the balance should be reported as {$0.00}. 

Contradictory Payment History Reporting Conflicts ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681e ( b ) Inconsistent & Misleading Reporting XXXX reports no past due balance in early XXXX, but later months suddenly show delinquencies. 
XXXX and XXXX list the account as past due throughout XXXX, contradicting XXXX. 
The account can not be both current and delinquent at the same time, making this reporting unverifiable. 
Inconsistent Account Open Date vs. First Delinquency ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681e ( b ) Inaccurate Reporting The account was opened in XX/XX/XXXX, but the first delinquency is reported as XX/XX/XXXX. 
This suggests the loan defaulted in just 5 months, which is highly unusual and signals a potential reporting error. 

No Proof of Debt Ownership ( FDCPA Violation ) Violation : FDCPA 15 U.S.C. 1692g Debt Validation Requirement My credit reports do not indicate whether Navy Federal Credit Union still owns this debt.

If the debt has been sold to a third-party collection agency, they must report a {$0.00} balance. 
If Navy Federal can not provide proof of ownership, this account must be deleted. 
Due to multiple violations across XXXX, XXXX, and XXXX, I am requesting the immediate deletion of this Navy Federal Credit Union account from my credit reports. The reporting is factually incorrect, inconsistent, and unverifiable, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

If Navy Federal can not verify and correct every single inaccuracy, the only legal option is to delete this account immediately. 

I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure Navy Federal Credit Union complies with federal law

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