Consumer complaint received 2025-06-01 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 filing this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) involving the inaccurate and unverified reporting of late payments by the following creditors : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Tennessee Department of Human Services Violation of 15 U.S. Code 1681a Definitions & Rule of Construction According to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ), the FCRA makes clear under the Rule of Construction that certain types of transactions, specifically those involving consumer-to-consumer or non-credit relationships, should not be reported. Late payments fall under the broad scope of transactions as they pertain to personal dealings between the consumer and the creditor, especially when the accounts are closed and not actively being serviced. Therefore, continuing to report these items as derogatory tradelines constitutes a misapplication of the FCRA. 

Violation of 15 U.S. Code 1681s-2 Furnisher Responsibilities Under 15 U.S. Code 1681s-2 ( a ), furnishers of credit information are legally required to report only accurate and complete data. Additionally, once a dispute is filed, 1681s-2 ( b ) obligates the data furnisher to conduct a reasonable investigation within 30 days and to remove or correct information found to be inaccurate or unverifiable. 

Despite my having filed formal disputes with both the credit bureaus and the furnishers directly, no proper verification or documentation has been provided to support the continued reporting of these late payments. The creditors failed to conduct and provide a reasonable investigation, as required. 

Violation of 15 U.S. Code 1681i Reinvestigation by Credit Reporting Agencies According to 15 U.S. Code 1681i ( a ), the credit reporting agencies must also conduct a reasonable reinvestigation of any disputed information and remove or correct inaccurate or unverifiable data. However, despite my documented disputes, the negative entries remain, unsupported by any substantive evidence. 

Specific Issues : All accounts have been closed, yet late payments are still being reported without validation. 

No supporting documentation has been provided by the furnishers to validate the reported late payments. 

These actions appear to be willful violations of FCRA obligations under multiple sections. 

Relief Requested : I am requesting the CFPB to : Investigate the reporting practices of the above-mentioned creditors.

Order the immediate removal of unverified late payments from my credit file. 

Ensure full compliance by the companies and credit bureaus with the FCRA, including appropriate sanctions or penalties if violations are confirmed. 

I have made every effort to resolve this directly with the parties involved and through the dispute process, but the inaccuracies remain unresolved. I respectfully ask the CFPB to assist in enforcing the law and protecting my consumer rights.

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