This interactive timeline synthesizes data from official documents, legal filings, and investigative reports to illustrate a recurring pattern of misrepresentation in military debt collection and credit reporting. It documents a series of events in which billing statements failed to clearly identify the creditor as the legally recognized “Army and Air Force Exchange Service.” Instead, consumers have encountered misleading variations—such as “Army & Air Force Exchange Service,” “Exchange Credit Program,” and similar designations—on billing statements, email notifications, and consumer credit reports. In addition, the timeline highlights how the Defense Finance and Accounting Service has enforced collection actions, including wage offsets and adverse credit reporting, based on these discrepancies. By integrating the regulatory requirements of the Fair Credit Billing Act and the Truth in Lending Act (and its implementing Regulation Z), this timeline demonstrates that such misrepresentations are not isolated incidents but part of a systemic practice that may impact numerous consumers.

This interactive timeline is provided for illustrative and educational purposes only and is not intended to offer, nor should it be relied upon for, legal or financial advice in any specific situation. No action should be taken based on the information contained herein without first consulting a licensed attorney and certified financial adviser. This timeline may include logo images and other copyrighted materials, which are used under the “fair use” provisions set forth in Title 17, United States Code Section 106A.