Consumer complaint received 2022-11-28
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:
My business was closed due to XXXX. All the information on my credit file after the purchase of my home in XXXX of XXXX is false. My information was compromised in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone used my info to try to purchase vehicles to open credit cards and many other things. I have reported identity theft to XXXX three times over the last couple years. I was unable to get XXXX XXXX XXXX and the XXXX cited XXXX as the reason for my denial. I have not applied for credit of any kind since the purchase of my home in XX/XX/2019. Everything negative on my credit is due to XXXX. You can simply look at the graph of my information to see I went from excellent credit. XXXX  when we purchased our home. This has devastated my family and XXXX XXXX. XXXX XXXX  refused to put me on a deferral list I told the the XXXX XXXX  states they are required to work XXXX XXXX XXXX. They started reporting negatively immediately after shelter in place orders were issued. I applied for XXXX  and I got a message about suspected fraud and I couldnt reach anyone or get help I had XXXX in XXXX  that in had to use because I couldnt get the assistance and XXXX was cited in every denial for relief assistance. To top it all off XXXX XXXX  sued me after calling me everyday saying they were putting me on a XXXX deferral list and never actually doing it. They called everyday sometimes twice a day until my phone service was shut off due to non payment. I live in a brand new XXXX home with XXXX in equity that I couldnt get access to due to liens  put on my home by XXXX XXXX XXXX after I couldnt pay the bill on the solar panals on my roof. My HOA place a lien on my house. The $ XXXX month was increased to $ XXXX month because they charged {$80.00} in penalties each month. I finally was able to get promising news after congressman XXXX XXXX office reached out the XXXX in XXXX. XXXX XXXX XXXX XXXX emailed me saying he was so sorry to read about my families situation and he offered a XXXX loan that we could add our personal expenses in with our business loan and it would be XXXX XXXX backed by the XXXX and they could help package the deal and account for the credit damage and hopefully get our life back. Navy fed told me they werent taking XXXX loans. I said this is the only way for me to restore my accounts and to get my life back. They said they were sorry. I went into my local XXXX XXXX XXXX. They told they couldnt help me. My account with them was closed out due to inactivity after shelter in place orders. I sat in the womans off trying gain my composure as I was unable to stop crying. She stared at her computer as I stood up and left the bank. I just sat in the parking lot and cried. The XXXX XXXX loan up to {$5.00} XXXX with a XXXX % XXXX backing. That was the only help offered after over a year since XXXX. We were desperate for help and when we finally were offered the banks said no. Then my electricity was shut off due to non payment a couple months ago. I went door to door asking if I could get assistance as the only help that Ive been able to get is XXXX XXXX from the government. My bill was {$210.00}. The following day I was able to pay the bill. The neighbor next to me said he couldnt help and then called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We had power back on and I asked the them to help me as I have applied for all the programs and not gotten help. I am entitled to cares act funding and have been denied due to illegal reporting on my credit resulting me being denied XXXX loan. XXXX didnt help us with anything. XXXX came with the police and said they were taking our XXXX XXXX XXXX. I told them what was going on and the police said they werent going to assist XXXX with this case. A week later XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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