Consumer complaint received 2023-10-29
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Re : Dispute of Inaccurate Information on XXXX Credit Report Dear XXXX XXXX Department, I am writing to dispute certain information on my credit report, which I believe is inaccurate and in violation of consumer protection laws, specifically 15 U.S. Code 1681s2, 1666b ( a ), and 1681a ( 2 ) ( 1 ). These inaccuracies are adversely affecting my financial well-being and hindering my ability to pursue employment opportunities. I am providing detailed information below to help you understand the nature of these inaccuracies. 

Account Information : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. {$170.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Inquiries : There were three inquiries on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these inquiries and believe they are inaccurate. 

Addresses : I also want to address the issue of multiple addresses on my credit report. There are several addresses listed, including : XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX have no affiliation with these addresses, and they should not be associated with my credit report. The only accurate address that should appear on my account is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please delete the incorrect addresses and retain only the one I have provided. 

Late Payments - Violation of 15 U.S. Code 1666b ( a ) and 15 U.S. Code 1681a ( 2 ) ( 1 ) : The credit report reflects late payments that are inconsistent with my actual payment history. According to 15 U.S. Code 1666b ( a ), these late payments must accurately reflect my payment history, and any inaccurate information is prohibited. Late payments are also illegal under 15 U.S. Code 1681a ( 2 ) ( 1 ), as they affect my creditworthiness, credit standing, and capacity, which is a violation of the Fair Credit Reporting Act.

Investigation of Disputes - Violation of 15 U.S. Code 1681s-2 ( b ) : As per 15 U.S. Code 1681s-2 ( b ), I have previously disputed this inaccurate information with Experian, and you have a responsibility to investigate and report the results of the investigation to the consumer reporting agency. However, the inaccuracies have not been rectified, and I believe this is a violation of the FCRA.

Unauthorized Access - Violation of 15 U.S. Code 1681 : Any person who obtains a consumer report from a consumer reporting agency without a permissible purpose or under false pretenses is liable under 15 U.S. Code 1681. I request that you review the circumstances under which my credit report was accessed and ensure that it complies with the law.

I kindly request a thorough investigation into these inaccuracies, their immediate correction, and an updated credit report that accurately reflects my credit history, including the account details, inquiries, and addresses provided above. Please provide a written response regarding the outcome of this investigation and the actions taken to rectify these issues within 30 days, as required by law. 

Enclosed with this letter are copies of documents supporting my claims, including payment records, correspondence with creditors, and other relevant information. I expect XXXX to take prompt action to rectify these inaccuracies and ensure compliance with federal consumer protection laws. 

Sincerely, XXXX XXXX

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