U.S. Defense Finance and Accounting Service Adds Experian Dispute to Open...
May 20, 2025
On May 20, 2025, retired Master Chief Petty Officer Tyrone Burnett forwarded his newly filed Experian dispute to the Defense Finance and Accounting...
MoreThis 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.
This entry showcases a 1977 request from the Army and Air Force Exchange Service to the National Archives, seeking approval to revise record-retention schedules.
View on timelineThis entry concerns modifications to certain security-related records schedules submitted by the Army and Air Force Exchange Service in March 1980.
View on timelineThis entry involves a 1980 records disposition form submitted by the Army and Air Force Exchange Service (AAFES) to the National Archives.
View on timelineThis entry features a disposition request filed by the Army and Air Force Exchange Service in September 1980, focusing on records management updates.
View on timelineThis entry covers various amendments to record schedules submitted by the Army and Air Force Exchange Service in November 1982.
View on timelineThis entry pertains to an updated records disposition schedule the Army and Air Force Exchange Service submitted in April 1987.
View on timelineThis form concerns a records retention request filed by the Army and Air Force Exchange Service (AAFES) in late 1987.
View on timelineThis entry highlights a National Archives and Records Administration (NARA) disposition form, dated May 22, 2001, related to Army and Air Force Exchange Service (AAFES) personnel records.
View on timelineThis entry documents a 2001 submission by the Army and Air Force Exchange Service for approving changes to its retirement records schedule.
View on timelineThis short entry involves a NARA form from January 30, 2009, outlining record-keeping and disposal procedures for the Army and Air Force Exchange Service.
View on timelineThis entry centers on a joint Army–Air Force regulation dated July 10, 2009, which governs the composition and responsibilities of the Exchange Service’s Board of Directors. Mr. Burnett notes that the source document consistently spells out “Army and Air Force Exchange Service,” omitting the ampersand.
View on timelineIn November 2009, the Department of Defense released Volume 7C, Chapter 8 of its Financial Management Regulation (DoD 7000.14‑R). This edition reiterates that the correct name of the purported creditor agency is “Army and Air Force Exchange Service” (without an ampersand) and sets forth centralized processes for involuntary withholding of pay, ensuring due process protections for debtors.
View on timelineThis section of the U.S. Code deals with governing statutes for certain DoD exchange programs. Notably, while the text references “Army and Air Force Exchange Service” spelled out in full, various emails sometimes replace “and” with an ampersand, which Mr. Burnett contends is legally imprecise.
View on timelineThis document defines policy and procedures for the classification of DoD Nonappropriated Fund (NAF) positions, focusing on white-collar (NF), crafts and trades (CT), and children/youth (CY) pay categories. It clarifies how the Army and Air Force Exchange Service (AAFES) may be considered a DoD Component for classification policy.
View on timelineThis entry focuses on the joint Army and Air Force regulation from October 5, 2012, governing Exchange Service operations. Mr. Burnett highlights that throughout this official document, the name “Army and Air Force Exchange Service” is spelled out in full, omitting any ampersand.
View on timelineThis entry highlights the Exchange’s 2015 Annual Report, which covers operations, initiatives, and financial results. Mr. Burnett notes that the name “Army and Air Force Exchange Service” appears in full—omitting any ampersand.
View on timelineThis entry focuses on a Privacy Impact Assessment (PIA) document from October 2016, regarding the Exchange’s information systems. Mr. Burnett notes that the source document uses “Army and Air Force Exchange Service” spelled out in full—contrasting with certain email footers that employ “Army & Air Force Exchange Service,” which he believes is not the correct legal name.
View on timelineOn this date, the U.S. Patent and Trademark Office (USPTO) granted Registration No. 5599550 for “MILITARY STAR,” covering credit and payment services. While the filing records “Army & Air Force Exchange Service” (with an ampersand) as the owner, portions of the documentation reference “Army and Air Force Exchange” (omitting both “Service” and the ampersand). This inconsistency reinforces Mr. Burnett’s stance that the precise legal name—and thus the true creditor identity—is unclear.
View on timelineIn June 2022, the Department of Defense issued Volume 16, Chapter 3 of its Financial Management Regulation (DoD 7000.14‑R). Pages 3‑18 through 3‑24 clarify that the legally recognized name is “Army and Air Force Exchange Service” (without an ampersand) and outline both the rights of alleged debtors—including due process—and the duties of the Army and Air Force Exchange Service and the Defense Finance and Accounting Service. Despite these mandates, Mr. Burnett’s ongoing disputes over the credit card account receivables (from October 2022 to April 2025) remain unresolved, suggesting a failure by both agencies to follow their own procedures.
View on timelineImproper Creditor Naming
View on timelineDebt Collection and Credit Reporting Disputes
View on timelineImproper Creditor Naming
View on timelineDebt Collection and Credit Reporting Disputes
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View on timelineDebt Collection and Credit Reporting Dispute
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View on timelineFOIA and Privacy Act Requests
View on timelineDebt Collection and Credit Reporting Issues
View on timelineBilling and Disputes
View on timelineDebt Collection and Credit Reporting Disputes
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View on timelineImproper Creditor Naming
View on timelineDebt Collection and Offsets
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