Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My dispute concerns inaccurate credit reporting, illegal re-aging, reporting late payments after charge-off, missing DOFD, and failure to conduct a proper investigation under FCRA 623. 

Navy Federal responded with a generic fraud template and completely ignored the actual issues I raised. Their reporting of my accounts is factually inaccurate, incomplete, and non-compliant with federal credit reporting laws. 
XXXX. XXXX XXXX is reporting NEW late payments in XXXX on CLOSED & CHARGED-OFF accounts Both the XXXX NFCU  credit card and the XXXX NFCU personal loan show late payments for every month of XXXX and XXXX, even though : The accounts were charged off in XXXX The accounts were closed Navy Federal has not billed me since XXXX No payments have been possible since XXXX I have not had access to these accounts since charge-off Reporting new lates after charge-off is illegal. 
This is a violation of : FCRA 623 ( a ) ( 1 ) ( A ) duty to report accurately Metro2 guidelines prohibits post-charge-off delinquency reporting This practice is also misleading and artificially depresses my score. 



2. Navy Federal is illegally reporting PAST DUE balances AFTER charge-off Both accounts show : {$1800.00} past due as of XX/XX/XXXX {$6400.00} past due as of XX/XX/XXXX This is not legally permissible. 

Once an account is charged off, the past-due amount becomes frozen at the date of charge-off. 
Navy Federal is falsely reporting me as continuously delinquent for YEARS after charge-off. 

This is inaccurate, misleading, and violates : FCRA 607 ( b ) maximum possible accuracy FCRA 623 ( a ) ( 1 ) false information CFPB Regulation V prohibits furnishing updated delinquency after charge-off XXXX. These accounts appear to be RE-AGED ( ILLEGAL ) My last payment dates are : XX/XX/XXXX ( credit card ) XX/XX/XXXX ( personal loan ) Yet Navy Federal is reporting : Lates in XXXX, XXXX, XXXX Status updated in XXXX Past due as of XX/XX/XXXX Re-aging extends the derogatory impact and is explicitly illegal under : FCRA 605 ( c ) CFPB guidance on improper re-aging FDCPA + Metro2 rules on delinquency timelines The reporting suggests Navy Federal is adding new delinquency months years AFTER the accounts stopped updating, which is prohibited. 



4. Missing XXXX  ( Date of First Delinquency ) Experian does not show a XXXX  for either account. 

FCRA REQUIRES XXXX to be reported for all derogatory accounts to establish the XXXX removal period. 

This omission alone makes the reporting incomplete and unverifiable. 



5. Navy Federal did NOT investigate my dispute properly When I disputed the accuracy of the reporting, Navy Federal responded with : We completed an identity theft investigation and found it unsupported. 

This is a template response for fraud claims, but I never filed a fraud claim. 

They NEVER addressed : Late-after-charge-off reporting Re-aging Past-due reporting XXXX  issues Timeline inconsistencies Metro2 violations Accuracy concerns Any of the factual problems I raised This is a direct violation of : FCRA 623 ( b ) duty to conduct a reasonable investigation FCRA 611 duty to reinvestigate disputed information CFPB rules against non-responsive dispute handling They investigated the wrong issue, which is legally insufficient.

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