Consumer complaint received 2018-08-26
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
Navy Federal continues to report fraudulent accounts on my credit report ( s ). These accounts were not opened by me, I have not ever benefited from these accounts and have already reported these accounts to Navy Federal Credit Union as fraudulent. First of all Navy Federal found my phone number some how and called my phone sending threatening voicemails, stating they would come to my house and that they would make sure I " go down ''. I did not authorize this company to call me first of all, Second of all after my Identity was stolen these accounts and membership were opened at Navy Federal. I never received any Credit Cards from them. When my identity was stolen the crook opened two credit cards with Navy Federal credit union, and a checking and savings. This information was received by calling their customer service number. Additionally Navy Federal CU only got my new address because on my Complaints from the CFPB it shows my address. So they updated their system on these fraudulent accounts with my new address. I should not be liable for accounts and cards that I NEVER RECEIVED. Also on their website per their terms it states if you open a membership with them online, they will send you a signature card to sign and send back. Approving that you opened the membership with them. I want to make it clear that I never received that by mail, and I NEVER SIGNED IT either. I know that for fact. Lastly, I want these accounts removed from my XXXX credit bureau reports and all of the other reporting companies they are reporting to. I never opened membership with this credit union. The crook forwarded my mail and also received all of my personal information after stealing my wallet they had my SSN from my Social Security Card and my Drivers License, and Also my Email addresses. I did attempt to recover my wallet but I was not able to. I have already tried reporting this to Navy Federal Credit Union as fraud and they continue to deny anything saying they researched and there are differences in stories. That's not true its been the same information every-time. I DID NOT open membership with your credit union. I have not ever received any cards and I found out from USPS that my mail had been forwarded. I have only recently corrected that. I do not have account numbers to report because it doesn't list them and I never received any cards. Lastly I have not called in on these accounts but only to tell you these were fraudulent. Please update your records and correct the fraud. Which I believe occurred from someone inside Navy Federal especially after receiving calls of threats. I do not owe these accounts because I have already notified you of Identity theft and my rights from the FCRA. Please update the credit bureaus promptly and update your internal records.

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