Consumer complaint received 2025-10-17 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: Army and Air Force Exchange Service
State: WA

Complaint narrative:
I have initiated a dispute withXX/XX/XXXX on XX/XX/XXXX for inaccurate reporting of an account on my credit report with Military Star ( account XXXX ). 

The initial dispute contested the accuracy of multiple sections of the file, mainly the blatantly inaccurate payment history ( last payment that paid the account was XX/XX/XXXX ), the lack of accounting information with the dollar amounts missing in various sections. I attached copies of my reports from XX/XX/XXXX and XX/XX/XXXXthat reflect more accurate information. 

Upon receipt of the results of the investigation (XX/XX/XXXXnotified me that they have also contacted Military Star, as the credit furnisher ), it has since been updated on my credit report that the account is delinquent to this month ( XX/XX/XXXX ). 

This is a blatant FCRA violation under multiple reasons : XXXX. Reporting Inaccurate Information : The FCRA requires information reported by creditors to credit reporting agencies be accurate. Failure to update the payment history and dollar amounts to reflect the correct information is considered reporting inaccurate information. 
XXXX. Duty to Correct Errors : Per the FCRA, creditors and credit reporting agencies have a duty to thoroughly investigate and correct any inaccuracies reported on a consumer 's credit report. By not updating the payment history and balance amounts despite being notified of the discrepancy ; Experian, Military Star, AAFES have violated this. 
XXXX. Failure to provide accurate and complete information : XX/XX/XXXX and by association as they've contacted the original creditor, Military Star has failed to furnish the complete and accurate account history, which is required under the FCRA for ensuring the accuracy and fairness of credit reporting. 
XXXX. Incorrect reporting of the account status : Reporting the account is late beyond the final payment paying the account off makes it appear more recent, which is considered a violation under the FCRA. This misleads current and potential creditors and negatively impacts the consumer 's credit history. 

I demand, respectfully, that the Consumer Financial Protection Bureau promptly initiate a thorough investigation into this matter and enforce appropriate measures against XX/XX/XXXX Military Star, and AAFES for the blatant violations of the FCRA. It's paramount that all the mentioned entities be held properly accountable for their non-compliance with federal regulations to protect consumer rights and ensure accurate credit reporting practices. I'm requesting that these inaccuracies are deleted off my credit report and my credit history to be in full compliance with the FCRA. Thank you for your prompt attention to this urgent matter ; I count on a speedy resolution/response to rectify these violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation