Consumer complaint received 2023-12-22 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: DC

Complaint narrative:
Dear XXXX I am an authorized user on Navy Federal Credit Union secured credit card rewards visa. 
Navy Federal Credit Union reported information inaccurate and late reporting on my consumer report from XXXX, I made the full payment amount on XX/XX/23 to Navy Federal Credit Union but Navy Federal Credit Union reported payment on XX/XX/23, with a Balance of {$190.00}, according FCRA furnishing and reporting Late along with inaccurate information on consumer report is a Violations My credit XXXX score has decreased by XXXX points as result of your unfair credit reporting According, to 15 USC 1681 ( a ) Accuracy and fairness of credit reporting in-accord Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( 4 ) Consideration of consumer information. In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information ( see attachment ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Dear XXXX I am an authorized user on Navy Federal Credit Union secured credit card rewards visa. 
Navy Federal Credit Union reported information inaccurate and late reporting on my consumer report from XXXX, I made the full payment amount on XX/XX/23 to Navy Federal Credit Union but Navy Federal Credit Union reported payment on XX/XX/23, with a Balance of {$190.00}, according FCRA furnishing and reporting Late along with inaccurate information on consumer report is a Violations My credit XXXX score has decreased by XXXX points as result of your unfair credit reporting According, to 15 USC 1681 ( a ) Accuracy and fairness of credit reporting in-accord Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( 4 ) Consideration of consumer information. In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information ( see attachment ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Dear Navy Federal Credit Union I am an authorized user on Navy Federal Credit Union secured credit card rewards visa. 
Navy Federal Credit Union reported information inaccurate and late reporting on my consumer report from XXXX and XXXX I made the full payment amount on XX/XX/23 to Navy Federal Credit Union but Navy Federal Credit Union reported payment on XX/XX/23, with a Balance of {$190.00}, according to FCRA furnishing and reporting Late along with inaccurate information on consumer report is a Violations My credit XXXX score has decreased by XXXX points as result of your unfair credit reporting on XXXX also My credit XXXX score has decreased by XXXX points as result of your unfair credit reporting on XXXX. 
According, to 15 USC 1681 ( a ) Accuracy and fairness of credit reporting in-accord Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( 4 ) Consideration of consumer information. In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information ( see attachment ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

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