Consumer complaint received 2025-09-18 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: VA

Complaint narrative:
Company : AAFES / Military Star ( Exchange Credit Program XXXX Credit Bureaus Involved : XXXX XXXX XXXX Account : Military Star Card Account Number XXXX ( partial ) Complaint Summary : I am filing this complaint because AAFES ( Exchange Credit Program ) is furnishing inaccurate, inconsistent, and unfair information about my Military Star Card account across all three credit bureaus. 

The account is reported as open with a {$0.00} balance and a {$3100.00} limit, yet it carries contradictory payment statuses, re-aged delinquencies, inflated delinquency counts, and conflicting remarks. These errors violate the Fair Credit Reporting Act ( FCRA ), which requires that information be accurate, fair, and not misleading. 

Specific Inaccuracies and Unfair Reporting Experian : Account shows as open/current with {$0.00} balance while still reporting derogatory late payments through XXXX. 

Late marks have been extended, creating re-aging. 

Payment history shows {$0.00} paid in months marked delinquent, which is contradictory. 

A remark states the account will return to positive status in XX/XX/XXXX, which is misleading and unfair, implying a fixed penalty period. 

Equifax ( Official Report, XX/XX/XXXX ) : On the Revolving Accounts summary, the account shows XXXX Late Payments. 

In the account details and payment history, the same account shows multiple XXXX late marks across XXXX. 

This is a clear internal contradiction : the same bureau reports the account as both perfect ( XXXX lates ) and severely delinquent at the same time. 

Status shows Pays as Agreed despite years of delinquency marks, which is misleading. 

Late marks appear as recent as Jun/Aug XXXX, suggesting re-aging of derogatories. 

The payment grid shows illogical sequences ( e.g., 60 days late XXXX month, then XXXX on XXXX the next ) that do not align with real delinquency reporting. 

Charge-off amount field is blank, yet delinquency codes suggest charge-off-level severity. 

Equifax ( via XXXX XXXX, XX/XX/XXXX ) : Payment status listed as XXXX Account, even though the account was opened in XXXX ( XXXX XXXX XXXX ). 

Worst status = XXXX XXXX, despite years of lates. 

Remarks list Variable/adjustable rate, which is inaccurate for XXXX XXXX XXXX 

Delinquency counts ( XXXX, XXXX, XXXX ) appear inflated/double-counted, unfairly exaggerating severity. 

TransUnion : Same contradictions as Experian/Equifax : XXXX with {$0.00} balance but still delinquent. 

Appears to re-age delinquencies by continuing to update beyond the original delinquency period. 

Balance and payment history fields contain conflicting information ( e.g., {$0.00} balance with missed payments ). 

Why This Reporting is Unfair It creates contradictory narratives : Pays as Agreed vs. years of lates, XXXX lates vs. delinquency grid. 

Re-ages negative information, making the account appear newly delinquent. 

Inflates delinquency counts and misuses remark codes. 

Inconsistent reporting across bureaus for the same account, which can not all be accurate. 

Misleads lenders, unfairly portraying me as higher risk. 

Requested Resolution : I request that the CFPB require AAFES and the credit bureaus to : Conduct a full reinvestigation of this account across Experian, Equifax, and TransUnion. 

Provide documentation verifying the accuracy and fairness of each reported delinquency, remark, and status. 

If complete documentation can not be produced, the account must be corrected or deleted in its entirety. 

Supporting Details : XXXX ( XX/XX/XXXX ) : Open/ {$0.00} balance with derogatory lates + misleading positive status XXXX. 

XXXX ( XX/XX/XXXX, official ) : XXXX Late Payments in summary vs. years of lates in detail grid = direct contradiction. 

XXXX ( XX/XX/XXXX, Credit Karma ) : Mislabels as New Account, Worst Status = No Info, inflated late counts, wrong remark codes. 

TransUnion ( XX/XX/XXXX ) : Mirrors contradictions from XXXX. 

A prior CFPB complaint was closed with explanation, but AAFES did not resolve the inaccuracies.

Company response to consumer: Closed with explanation