Consumer complaint received 2025-09-18 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: NJ

Complaint narrative:
Subject : Complaint Regarding Inaccurate and Misleading Reporting of Navy Federal Credit Union Account To Whom It May Concern : I am filing this complaint against Navy Federal Credit Union ( NFCU ) and the credit reporting agencies ( XXXX XXXX XXXX  ) for inaccurate, incomplete, and misleading reporting of the following account : Creditor : Navy Federal Credit Union Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( varies by bureau ) Credit Bureaus Impacted : XXXX XXXX XXXX Summary of the Issue : This account is being reported inconsistently and inaccurately across the three major credit bureaus : Balance/Past Due : All three bureaus list a balance of {$30000.00} and show it as past due in full. This is inconsistent with proper charge-off reporting a charged-off account should not continue reporting as currently past due each month. 

High Credit Conflict : XXXX XXXX XXXX report {$35000.00} as high credit, while XXXX  reports {$30000.00} ( equal to the balance ). This inconsistency misrepresents the account history. 

Terms Inconsistencies : XXXX  reports a 60-month term, XXXX  reports 63 months, and XXXX  again lists 60 months. These can not all be correct. 

Date Errors : Date Last Active : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date of Last Payment : XXXX XXXX XXXX XXXX XXXX XXXX  These dates conflict and can not all be true. 

Payment History Discrepancies : XXXX  shows months of CO ( charge-off ) and late markers ( 30150 days past due ). 

XXXX  shows several OK payments during the same timeframe XXXX  shows charge-offs, plus mismatched delinquency notations. 

XXXX does not display full payment history. 
This contradictory data makes the account unverifiable. 

Contradictory Comments : The bureaus report Charged off as bad debt and Dispute resolved ; customer disagrees simultaneously. This is contradictory and misleading under the FCRA. 

Violations of Law : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) : Credit reporting agencies must maintain maximum possible accuracy. The above discrepancies show material inaccuracy.

Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ) : Prohibits false, deceptive, or misleading representations of debt. Contradictory reporting qualifies as misleading. 

New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-1 et seq. ) : Prohibits deceptive practices in reporting and collections. 

Requested Resolution : Immediate deletion of the NFCU account from XXXX XXXX XXXX XXXX due to irreconcilable inaccuracies.

Written confirmation that this account will not reappear unless fully validated with consistent, accurate documentation. 

An investigation into Navy Federal Credit Unions furnishing practices, as well as the credit bureaus failure to ensure consistent reporting. 

Supporting Evidence : I have attached my recent credit reports from XXXX XXXX XXXX XXXX which reflect these inconsistencies. 

I respectfully request the CFPB to investigate this matter and take corrective action against Navy Federal Credit Union and the credit reporting agencies. 

Sincerely 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 explanation