Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by Navy Federal Credit Union on my TransUnion credit report. 

The account in question is a charged-off credit card account showing a reported balance of {$16000.00}. The creditor lists the last payment date as XX/XX/XXXX ; however, the payment history graph clearly shows that the last on-time payment was made in XX/XX/XXXX, with every month from XX/XX/XXXX forward showing missed payments. This internal inconsistency indicates the reported date is incorrect and potentially an attempt to reage the account, which would be a violation of the Fair Credit Reporting Act ( XX/XX/XXXX) if not supported by a legitimate transaction or written agreement. 

Additionally, the account is being reported as Open, despite the fact that it has been charged-off and no payments have been made since XXXX. Reporting a charged-off account as Open is misleading, may artificially inflate my revolving credit utilization, and is not an accurate representation of the current account status. Charged-off accounts are by definition closed and should reflect that status. 

The report also includes the remark Consumer disputes reinvestigation in progress, yet the inaccuracies continue without correction, despite multiple requests. 

I respectfully request the CFPB to require the following : XXXX. Proof of the alleged XX/XX/XXXX payment. 


XXXX. Correction of the last payment date to XX/XX/XXXX. 


XXXX. Correction of the account status from XXXX to XXXX XXXX XXXX. 


XXXX. Confirmation that the account has not been reaged unlawfully. 

These reporting errors are misleading, harmful to my credit profile, and must be addressed to ensure compliance with the FCRA. 

Alternatively, I request that the account be permanently removed from my credit report. The data furnisher has failed to respond to multiple written requests for a complete, itemized debt validation report. Despite repeated disputes highlighting conflicting and inaccurate information, the account remains unchanged. 

This lack of response violates the FCRAs reinvestigation and accuracy provisions ( XXXX XXXX. XXXX and XXXX ). Continued reporting without proper validation supports full deletion, as upheld in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), which required furnishers to conduct a meaningful investigation when presented with specific and credible disputes. 

Furthermore, the account appears to have been reaged, with the " last payment '' date falsely extended to XXXX despite no payments since XXXX. This has artificially prolonged the negative reporting period, lowered my credit score, and continues to negatively impact my financial opportunities, credit access, and mental well-being. The failure to accurately report and address these issues has caused undue financial and emotional harm.

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