diff --git a/sage_validation/file_validator/forms.py b/sage_validation/file_validator/forms.py
index 5a1034ffd46797ba97f7a40c931d7da2693d4d8b..71d908ee494429edfa96a2cb8afe8d4a4f9770d1 100644
--- a/sage_validation/file_validator/forms.py
+++ b/sage_validation/file_validator/forms.py
@@ -245,10 +245,10 @@ class CSVUploadForm(forms.Form):
                 nominal_account_name = row.get(nominal_account_field)
 
                 if not cc and not dep and not nominal_account_name:
-                    errors.append(
-                        f"Row {index}: Missing values in '{cc_field}', '{dep_field}', and '{nominal_account_field}'.")
                     continue
                 if not cc or not dep or not nominal_account_name:
+                    errors.append(
+                        f"Row {index}: Missing values in '{cc_field}', '{dep_field}', or '{nominal_account_field}'.")
                     continue
 
                 cc_type = cost_centre_map.get(cc)
diff --git a/test/test_file_validator/test_forms.py b/test/test_file_validator/test_forms.py
index 3a779cdac6eb0a0332b0451f61ccaf47fb2f90c7..e1f51defcb65ca7bbd7d1878d01f680a9e88f7f3 100644
--- a/test/test_file_validator/test_forms.py
+++ b/test/test_file_validator/test_forms.py
@@ -102,14 +102,13 @@ def test_validate_nc_cc_dep_combination_against_meo_sage_account_blank_values(
         {
             "NominalAnalysisNominalCostCentre/1": "",
             "NominalAnalysisNominalDepartment/1": "",
-            "NominalAnalysisNominalAccountNumber/1": ""
         })
 
     form = CSVUploadForm(files={"file": modified_file})
     assert not form.is_valid()
     assert (
             "Row 1: Missing values in 'NominalAnalysisNominalCostCentre/1', 'NominalAnalysisNominalDepartment/1',"
-            " and 'NominalAnalysisNominalAccountNumber/1'."
+            " or 'NominalAnalysisNominalAccountNumber/1'."
             in str(form.errors["file"][0])
     )