Consumer complaint received 2022-11-23
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Initially, a request was made to validate a debt that was on my credit report under compliant number # XXXX however, the company has created another profile and reported it under my credit profile in an attempt to falsify an official record and tradeline/credit account and potentially attempted to sale the tradeline or credit account as a new debt under an new account number XXXX. Several previous attempts we're made to resolve this matter. This accounts were apparently established in XXXX XXXX when I was XXXX in XXXX and XXXX XXXX It has continued too be reported on my credit report for the last XXXX years. I have sent registered mail asking to validate the debt through a final demand which stated, Final demand to immediately remove all illegalTradelines before legal actions proceed under 15 U.S.C. 1681-1681x. Registered mail was finally sent XXXX and XXXX on XXXX XX/XX/XXXX asking to Please remove from all three reporting agencies immediately. In addition, a formal request was made in the form of a formal letter -formally requesting that they validate all tradeline listings submitted to the three major credit reporting agencies by NAVY FEDERAL CR UNION for me under account numbers XXXX and that Due to possible inaccuracies in these credit reports, I demand that they hereby validate the request in the form of a verified statement by a person with original knowledge of the debt, who can testify under oath that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have beenpayable or reported. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. This is the third and final request to correct, any attempt to subrogate this letter or processes consults malice intent and will be reported as fraudulent and misleading. Within 30 days of this notice, ( no replies were given by competent person ) nor was there any answers to these demands or the associated negative tradelines notations removed from the credit reports. These actions are contraindicate evidence of their intent to abridge one or more civil rights. They have Continued unsubstantiated reporting of possible inaccuracies to third parties which now provide a basis for formal complaints being filed pursuant to federal statute. The time frame as elapsed and i have been adversely and financially impacted with false reporting of tradelines and believe this was also reported as a profit and loss tax deduction. Thank you in advance for your anticipated cooperation. 

The previous accounts numbers were XXXX and now it has been changed to a new account number XXXX that is completely fraudulent.

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