Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
i am filing a complaint because my creditor is reporting late payment on my account ending in account XXXX XXXXXXXX that are inaccurate and not properly verified i have disputed directly with the credit bureaus and the furniture but the late payment remain without proper validation or documentation under 15 usc 1681s 2 a Furnitures must report accurate information under 15 usc 1681 i the credit bureaus must perform a reasonable investigation within XXXX neither have provided sufficient evidence to support the negative reporting XXXXXXXX XXXX XXXXXXXX XXXX account XXXX XXXXXXXX Attn : Dispute Department Re : Dispute of XX/XX/XXXX Day Late Payments Account [ Your Account Number ] Dear Sir or Madam, I am writing to formally dispute the XXXX, XXXX, and XXXX late payments reported on my XXXX XXXX  XXXX XXXX account, [ Account Number ], pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Complete-Maximum-Integrity ( XXXX  ) method of credit reporting. I request that you fully investigate and correct the information currently reflected on my credit report. 

The reporting of these late payments is not accurate and does not reflect the true status of my account. As per the XXXX method, it is your responsibility to ensure that all information reported is not only complete but also accurate, and it must maintain maximum integrity in the credit reporting process. The inaccuracies on my credit report violate the principles of fair and accurate reporting and must be corrected immediately. 

Specifically, I am disputing the following : - XXXX late payment : XXXX - XXXX late payment : XXXX - XXXX late payment : XX/XX/XXXX - XXXX late XXXX - XXXX late payment : XXXX - XXXX late XXXX Under 15 U.S.C. 1681s-2 ( a ), creditors are required to report accurate and complete information to the credit bureaus. Your failure to do so is in direct violation of the FCRA, and I demand that these late payments be removed or corrected to reflect the true payment history. This is further supported by the requirement under 15 U.S.C. 1681i, which mandates that when a consumer disputes information, the reporting entity must investigate and correct any errors or inaccuracies. 

In addition to disputing these late payments, I also request that XXXX XXXX  XXXX XXXX review the entire reporting for completeness and accuracy, in line with the complete and maximum integrity principle. If this information can not be verified as accurate, I demand that it be immediately removed from my credit report in accordance with 15 U.S.C. 1681c. 

Please provide written confirmation of the outcome of your investigation within XXXX  days, as mandated by 15 U.S.C. 1681i ( a ) ( XXXX ). If the results of your investigation confirm that these late payments were reported in error or were unverifiable, I require that the information be corrected and that my credit report be updated accordingly. 

Failure to comply with these requests may leave me no choice but to pursue further legal action under the FCRA, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action for non-compliance. 

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

Sincerely, XXXX XXXX

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