Consumer complaint received 2020-03-27
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In early XXXX, I was railroaded by an identity theft attack that has resulted in the destruction of my credit file. I first noticed a problem when I was denied for credit and when my credit card was cancelled. Shortly after I began receiving notices from debt collectors. 

My first attempt to address the matter was to hire a company known as a credit repair service. Months went by and little was done to improve my situation. I began researching how to recover from identity theft which is when I filled out my FTC identity theft report. My FTC report number is XXXX. I printed out all the letters, reports, disclosures, proof of identity and followed every instruction. I mailed out letters to every debt collector, original creditor and all 3 credit bureaus reporting the identity theft to them. 

My second attempt was to file a police report with XXXX County Sheriff 's Office. My police report case number is XXXX. 

The results were that most creditors complied with my requests and removed the fraudulent accounts from my report. The credit bureau 's also blocked several accounts such as Navy Federal Credit Union and Discover Financial. Over the course of these past 2 years, these accounts have popped up on my credit file multiple times which results in me spending more time printing and organizing letters, postage costs, trips to the post office, etc. They've also reported multiple account numbers at times, multiple entries and sometimes no account numbers at all. 

After 2 years of this nightmare, I am ready to have peace restored in my life. I recently went for a HELOC loan from XXXX XXXX  and was denied because on my XXXX, Navy FCU is reporting an account. The underwriter understood my situation but was unable to approve me due to this fraudulent and delinquent account reporting. 

XXXX XXXX account number XXXX is reporting on my XXXX credit file. This account was opened in XX/XX/XXXX. They are claiming the balance due as {$21000.00}. No matter how many times I have mailed XXXX XXXX asking for all documents regarding the account, all receipts, all statements and removal of the account they have ignored me and refused to comply. They sent me 1 packet that had 1 page cover sheet showing a statement balance. That is all I ever received from them. At this point they are interfering and violating my rights under the Fair Credit Reporting Act. 

Navy Federal Credit Union is reporting 2 accounts for me, Account numbers XXXX and XXXX according to what is reported with XXXX. These accounts were opened in XXXX and XXXX of XXXX. They are claiming my balances as {$27000.00} and {$30000.00}. They are also reporting XXXX of these accounts with XXXX. I have never had any account with navy federal credit union and I have never been in the military. I have mailed Navy Federal over a dozen times in the past 2 years asking for documentation, receipts, statements and to remove these accounts and they have refused to comply. I have never even received a response. At this point they are interfering and violating my rights under the Fair Credit Reporting Act.

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