Consumer complaint received 2021-10-07
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
This complaint is in regards to the Navy Federal Credit Union Charge OFF account for the balance of {$6300.00} on my XXXX credit report as XXXX XXXX. This account has been a Charge Off account on my report for over 7 years and I have not made any payments to this account in over 7 years ; nor, have I ever authorized any payments to this account in over 7 years, thus the XX/XX/XXXX payment that Navy Federal Credit Union is reporting that I paid is fraudulent. The accounts I had with Navy Federal Credit Union were a checking and savings account that I had not deposited money into for well over 7 years, and I had a Refinance Car Loan account. I had not deposit any money into the checking and savings accounts in well over 7 years therefore there was not any money to draw a XX/XX/XXXX payment to this Charge Off account and I have never made nor authorized a payment to this Charge Off account. All payments for the Refinance Car Loan account were made directly to that account. Even the total loss insurance payment of over {$8000.00} that I received from my insurance, The General, in the winter of XXXX due to the car being wrecked and deemed a total loss was paid directly to the Refinance Car Loan I had with Navy Federal Credit Union ; and, I paid the remaining due balance directly to the Refinance Car Loan account. Once Navy Federal Credit Union received the last {$300.00} payment from me in Spring XXXX for the remaining balance of the Refinance Car Loan, they ( Navy Federal Credit Union ) closed all accounts I had with Navy Federal Credit Union and the Refinance Car Loan account was marked as paid and closed. Again, I have never deposited any money into the checking and savings accounts I have with Navy Federal Credit Union in well over 7 years so, there was no money to draw a XX/XX/XXXX payment from, I have never made a payment to this Charge Off account in over 7 years, nor have I authorized a payment to this Charge Off account, thus the XX/XX/XXXX payment is a false fabrication and blatant attempt by Navy Federal Credit Union to not have this account removed from my XXXX credit report. I am both disgusted and appalled at this illegal and deceptive behavior of Navy Federal Credit Union. This charge off account was reaching it's 7th year of reflecting on my XXXX credit report and in a attempt to extend the time that it reflects on my XXXX credit report, they fraudulently fabricated a record of a XX/XX/XXXX payment that I never made, and submitted the false and fraudulent record to XXXX in response to my previous dispute fraudulently showing a recent XX/XX/XXXX payment, but they did not include the form of this fraudulent XX/XX/XXXX payment in their records they submitted to XXXX because I never made, nor authorized a payment to this Charge Off account in over 7 years, and it would reveal their fraudulence. This account has negatively reflected on my XXXX credit report for over 7 years, has now unlawfully exceeded both the State of California and Federal limits and must be removed immediately. If this charge off account is not rightfully removed immediately as the law requires, I will be suing Navy Federal Credit Union for their unlawful and fraudulent practices, and for damages as my credit score has dropped another 34 points directly as a result of the fraudulence of Navy Federal Credit Union 's reporting of this charge off account thus, illegally and negatively affecting my quality of life.

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