Consumer complaint received 2022-07-20
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I don't know why XXXX, XXXX XXXX, Penfed, and XXXX Continue to Violate My Rights! 

I would like Monetary compensation for my rights that have been violated I have CLEARLY PROVIDED PROOF HERE IN MY COMPLAINT. 

I have been denied employment and credit due to these violations of my rights. 
I have enclosed proof. The evidence shows that the two accounts report the same information This is my final request before I take legal action.

Under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S. Code 1681m - Requirements on users of consumer reports ( B ) Action described An action referred to in subparagraph ( A ) is an adverse action described in section 1681a ( k ) ( 1 ) ( A ) of this title, taken in connection with a transaction initiated by the consumer, or any adverse action described in clause ( i ) or ( ii ) of section 1681a ( k ) ( 1 ) ( B ) of this title.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S. Code 1681m - Requirements on users of consumer reports ( B ) Action described An action referred to in subparagraph ( A ) is an adverse action described in section 1681a ( k ) ( 1 ) ( A ) of this title, taken in connection with a transaction initiated by the consumer, or any adverse action described in clause ( i ) or ( ii ) of section 1681a ( k ) ( 1 ) ( B ) of this title.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate the disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. Account ( XXXX XXXX XXXX XXXX AccountNumberXXXX ) 2. Account ( XXXX XXXX Account Number : XXXX ) 3. Account ( XXXX XXXX  Account Number : XXXX ) 4. Account ( XXXX Account Number : XXXX ) I would like to receive my compensation {$1000.00} per violation per FRCA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation