Consumer complaint received 2022-06-20
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act reporting of this account has violated my rights. 
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 a account without my written instructions I want to apply these laws and exercise my rights. Please delete these accounts. 

Please send me a 1099 form and delete this account It is further agreed that NFCU shall take all steps necessary to ensure that no credit report or credit reference that is unfavorable or that may be construed unfavorably to XXXX XXXX XXXX shall be made by it or by any consumer reporting agency with regard to any debts or claims as between NFCU and XXXX XXXX. Without limiting the effect of the foregoing obligation, NFCU shall also within ten days hereof send notice [ in writing or electronically or both ] to each consumer reporting agency to which NFCU has reported any information about XXXX XXXX XXXX, deleting from their files all references to the [ alleged ] debt which is the subject of this settlement agreement. To that end, NFCU shall submit a XXXX XXXX  form coded with DA ( delete account ) [ and/or ] a Universal Data Form with the Delete Tradeline option box checked to each consumer reporting agency to which NFCU has reported any information about XXXX XXXX XXXX XXXX Prior to any execution of any release of claims by XXXX XXXX XXXX, shall submit to counsel for XXXX XXXX XXXX clear and complete copies of these forms ( with NFCUs subscriber/password code redacted if NFCU chooses ) and proof that NFCU has submitted these forms. Each required Universal Data Form or the equivalent must contain NFCU certification that it has modified its internal records so that the information to be deleted is not re-reported. In the event Plaintiffs discover, more than fortyfive ( 45 ) days following NFCUs submission of the [ XXXX XXXX form/Universal Data form ] as described, that any consumer reporting agency still reports the alleged debt, XXXX XXXX XXXX may notify NFCU in writing, and NFCU will within ten business days re-submit a request for deletion of all reference to the debt. 

NFCU shall adjust its relevant internal records in a manner that will permanently reflect the agreed-upon status of the debt. NFCU agrees to take all steps necessary or appropriate to prevent the re-reporting of any information about the [ alleged ] debt. In the event any such information is re-reported to any consumer reporting agency, NFCU agrees to take all steps necessary or appropriate to ensure that the re-reported information is deleted from the files of every consumer reporting agency to which the information was re-reported. Further, should a consumer reporting agency ever notify NFCU that XXXX XXXX XXXX is disputing the tradeline, NFCU will not verify the tradeline or will confirm that the tradeline should be deleted ; in such an event, NFCU will also submit to counsel for XXXX XXXX XXXX, within forty-five ( 45 ) days after receiving the notification of the dispute from the consumer reporting agency, clear and complete copies of the notification of the dispute and any and all forms ( including electronic forms ) by which it responds to such notification ( with NFCU s subscriber/password code redacted if NFCU chooses ). NFCU further agrees that it will not assign, hypothecate, or transfer the [ alleged ] debt to another creditor, a collection agency, or any other third party, and that it will not alter the account number or otherwise relabel the account. The parties agree that time is of the essence of this contract. This release shall not extend to the obligations created by this Agreement or to any claim or cause of action based in whole or in part upon a communication to a consumer reporting agency after the date of this agreement.

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