Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against the Military Star Card XXXX XXXX XXXX XXXX ( XXXX ) for repeated violations of federal consumer protection laws, particularly the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ), stemming from their failure to correct false and fraudulent information they continue to report about my account. 

I first notified the Military Star Card on XX/XX/2022 that the account in question contained fraudulent charges which I did not authorize, benefit from, or recognize. I have disputed this account repeatedly since then and even paid the portion that is legitimately mine, as a show of good faith. Despite this, they have : Continued to report this account as past due, even though it was charged off over XXXX years ago ; Added interest to the account post-charge-off; Refused to conduct a reasonable investigation, as required by law ; Informed me that they do not need proof to deny my fraud claim an absolutely false and arrogant claim. 

These actions are clear violations of several federal laws : 1. Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681s-2 ( b ), once a furnisher of credit information is notified of a dispute, they are required to conduct a reasonable investigation and correct any inaccurate or incomplete information. The Military Star Card has knowingly continued to furnish inaccurate data, which constitutes a willful violation of the FCRA under 15 U.S.C. 1681n.

2. Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666 This law provides me the right to dispute fraudulent charges and requires that a creditor conduct a prompt and reasonable investigation. Their refusal to do so while still charging interest on the disputed amount is a direct violation of this statute. 

XXXX. Truth in Lending Act ( TILA ) & Regulation Z Adding interest on a charged-off, disputed balance is unlawful under TILA, especially when the fraudulent charges were never validated nor resolved. 

XXXX. Negligence and Bad Faith Conduct Despite my good-faith payment of the legitimate portion of the account, they continue to act negligently and with malicious disregard for the law. Their actions are financially and emotionally harmful, damaging my credit and costing me opportunities. 

I am not new to this I have successfully sued other creditors for similar behavior, and I will do the same here. The Military Star Card is willfully breaking the law, abusing the trust of service members, and acting with blatant disregard for consumer rights. 

I demand the CFPB investigate and take action to : Force AAFES/Military Star to stop reporting this account as past due ; Cease all interest accumulation on a disputed, partially paid, and charged-off account ; XXXX the account as disputed under FCRA guidelines ; Provide documentation of their so-called investigation of my fraud claim, if any exists ; Permanently correct or remove this account from all consumer reporting agencies. 

Their actions are deceptive, negligent, and illegal and I will pursue this in court if the CFPB does not intervene. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

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