Consumer complaint received 2025-11-07 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: AZ

Complaint narrative:
CFPB Complaint Statement : Navy Federal Credit Union FCRA Dispute of Inaccurate Late Payment Reporting Subject : Dispute of Inaccurate and Unfair Late Payment Reporting Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am submitting this formal complaint to dispute an inaccurately reported late payment by Navy Federal Credit Union ( NFCU ) that has significantly and unfairly damaged my credit score. This derogatory mark was reported in connection with my NFCU XXXX accounts and appears in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), particularly 1681i ( Reinvestigation of Disputed Information ) and 1681s-2 ( Responsibilities of Furnishers of Information ), which require data furnishers to ensure the maximum possible accuracy of consumer information.

Background and Circumstances This situation arose from a misunderstanding involving XXXX separate NFCU XXXX credit card accounts, not from negligence or willful nonpayment. Throughout this time, I was actively and consistently making payments to my primary XXXX account ending in XXXX, which reflected a zero-dollar balance after my XX/XX/XXXX payment of {$160.00}. 

What I did not realize was that a small balance of {$13.00} remained on an older XXXX XXXX account ending in XXXX. During this period, I was XXXX on out-of-state wildfire assignments, where I often lacked reliable access to my phone and email. My duty schedules clearly document my service and long field hours during this time. 

As soon as I became aware of the oversight, I immediately paid the remaining balance of {$13.00} on XX/XX/XXXX, just a few days after the due date. Unfortunately, NFCU had already reported the payment as late, resulting in a derogatory mark on my credit file. 

Hardship and Consumer Impact This is the only late payment that has ever appeared on my credit record, and it does not accurately reflect my history of responsible financial management. I have always taken my financial obligations seriously and have a long-standing record of timely payments. 

This one-time, minor oversight has caused substantial hardship, including a sharp drop in my credit score and adverse impacts on my credit opportunities. The fact that this occurred during a period of verified public service deployment and involved a de minimis balance underscores that it was an honest and immediately corrected mistake, not a true indicator of credit risk. 

Ongoing Disputes and FCRA Violations Since discovering this error, I have been diligently disputing this inaccurate late payment with all three major credit bureausExperian, Equifax, and TransUnionunder my rights established by the Fair Credit Reporting Act 611 ( a ). Despite providing documentation and a full explanation of the circumstances, the inaccurate late payment continues to appear on my credit reports.

Under FCRA 1681s-2 ( a ), data furnishers are required to report information with maximum possible accuracy, and upon notice of a dispute, must conduct a reasonable investigation and correct or delete information found to be inaccurate or unverifiable. Based on the facts and documentation, the reporting of this late payment fails to meet that legal standard and constitutes continued furnishing of inaccurate information. 

Requested Resolution I respectfully request that Navy Federal Credit Union : Conduct a full and documented reinvestigation of this disputed late payment ; Instruct XXXX, XXXX, and XXXX  to delete or update this item to reflect paid as agreed or never late ; and Provide written confirmation that this derogatory mark has been removed in accordance with FCRA 611 ( a ) ( 5 ) ( A ). 

Conclusion This single, minor issue arose from an honest misunderstanding during a period of verified emergency service and was corrected immediately upon discovery. Given my longstanding history of timely payments, the extremely small amount in question, and the mitigating circumstances, I respectfully request that this late payment be removed from my credit report as an act of accuracy correction and equitable relief under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter and for ensuring that my credit history accurately reflects my responsible financial behavior.

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