Consumer complaint received 2025-08-13 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Navy Federal Credit Union XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute Under FCRA Navy Federal Credit Union Account XXXX XXXXXXXX To Whom It May Concern, This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) 611 and a request for immediate reinvestigation of the account reported by Navy Federal Credit Union with account number XXXX. 
The reporting of this account contains multiple inaccuracies and appears to violate FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) as well as Metro 2 reporting standards. I am requesting that this account be corrected or deleted from my credit file.

Specific Errors and Violations : 1. Inconsistent Balance Reporting o Original balance is listed as {$5500.00}, while the charged-off balance and past due amount are listed as {$5500.00} without itemized interest or fees. This discrepancy is inaccurate and misleading in violation of FCRA 607 ( b ).

2. Improper Re-aging of Charge-Off Status o The account is reported as CO ( Charge-Off ) every month from XX/XX/XXXX through XX/XX/XXXX. XXXX XXXX XXXX guidelines, a charge-off should be reported as a one-time event tied to the Date of First Delinquency ( DOFD ), not repeatedly each month to make the derogatory appear recent. 
XXXX. Incorrect Past Due Amount on a Charged-Off Account o The Past Due field reflects {$5500.00}, the same as the total balance. Per Metro 2 standards, once charged off, the past due amount should be reported as {$0.00} to avoid misleading the consumers payment history.

4. Failure to Accurately Report Date of First Delinquency ( DOFD ) o The payment history indicates the first delinquency occurred XX/XX/XXXX ( 30 days late ), yet the status update date is listed as XX/XX/XXXX. This may extend the reporting period beyond the 7 years allowed under FCRA 623 ( a ) ( 5 ).

5. Duplicate & Vague Dispute Comments o Completed investigation of FCRA dispute - consumer disagrees is repeated, yet no substantive evidence was provided to validate the account as required by FCRA 611 ( a ) ( 5 ).

Requested Action : Conduct a full reinvestigation under FCRA 611.

Provide documentation verifying the account, including signed agreem
ents, payment history, and itemized calculations of the balance.

Correct the above inaccuracies to align with Metro 2 and FCRA standards, or delete the account from my credit report.

Please note that under FCRA 611 ( a ) ( 5 ), you are required to either correct or delete inaccurate or unverifiable information within 30 days of receipt of this dispute. Any continued reporting of inaccurate information after notice constitutes willful noncompliance under FCRA 616 and 617. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX # XXXX

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