Consumer complaint received 2022-10-22
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: Account information incorrect

Complaint:
Navy Federal Credit Union has failed to comply with a requirement of law. 12 CFR 1026 ; 12 CFR 1660.3 ; 16 CFR 660 Appendix A III ( c ) ; III ( H ) ; III ( M ).

Navy Federal Credit Union has violated 15 USC 1681S-2 ( F ) ( ii ) ( I ) ; 15 USC 1681S-2 ( a ) ( 1 ) ( A ) ; 15 USC 1681a ( 2 ) ( A ) ( i ) ; 15 USC 1681S-2 ( F ) ( ii ) ( I ) ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ; 15 USC 1681S-2 ( a ) ( 1 ) ( A ) a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681a ( 2 ) ( A ) ( i ) 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report con Navy Federal Credit Union has had prior notice that they are violating my rights and willfully violating my rights as a federally protected consumer. I have complied and followed my requirements and responsibilities as a federally protected consumer. 
My disputes and supporting documentation show that Navy Federal Credit Union had prior knowledge and opportunities to cure the inaccurate and incorrect data and information that should be excluded from my consumer file and consumer reports. 


Navy Federal Credit UnionXXXX ' failure to comply with their responsibilities and requirements as a Furnisher of information to Credit Reporting Agencies has caused actual damage to me and my character, profile, my well being, and mental stability. Per FCRA they are civilly liable to me. I have advised them of the incorrect reporting information, and shown evidence and supporting documents that they are continuing to violate my privacy and confidentiality, in reporting this information on my consumer files and consumer reports which should be excluded by law. I ) demand that you step in and not only get them to respond but, hold them accountable, and make them update my consumer file and consumer reports, to 0 % Utilization and delete all Late payments associated with tradeline immediately. 

I have exhausted all that I, can do by myself to amicable get this information and data corrected by Navy Federal Credit Union. I am soooo frustrated at how I am being treated. Please I ask humbly for your assistance and protection, and power to correct this ASAP. Please do more that just get Navy Federal Credit Union to respond to this notice. I want actual change. I demand that my rights be protected and Navy Federal Credit Union be forced to correct my Consumer File and Consumer Reports to reflect as XXXX XXXX rights intended. My privacy be protected, and Navy Federal Credit Union made an example of for not complying with their responsibilities as a furnisher. 

According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personally identifiable financial information 1. Provided by a consumer to a financial institution. 2. Resulting from any information with the consumer or any service performed for the consumer ; or 3. Otherwise obtained by the financial institution. Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. Therefore, as per the literal interpretation, the organization named XXXX, XXXX XXXX, XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. Navy Federal Credit Union has still violated the provisions of FCRA ( Fair Credit Report Act ). Under USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company ( Navy Federal Credit Union ) has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you to delete the below-mentioned information from my Consumer Report ; From XXXX XXXX XXXX # XXXX, XXXX. Late Payments XXXX Credit Card Usage 0 % percentage or Credit Card XXXX 0 % Navy Federal Credit Union and XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have continually advised you and given you opportunities to correct this information. The please correct this information as I have asked or I will be forced to consult attorneys and file litigation against each you. As you all have been advised and are willfully- non compliant and civilly liable to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief