Consumer complaint received 2022-03-01
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Notice, it is a fact, affiant is aware upon discovery, a financial institution such as Navy Federal Credit Union in accordance with the definition under 15 USC 6827 ( 4 ) ( A ) and 15 USC 6827 ( 4 ) ( B ) must provide a notice of negative information in writing to the consumer no later than 30 days after furnishing the negative information. The negative information notice can not be in a pervious billing statement in accordance with 15 UC 1637a pursuant to 15 USC 1681 ( 7 ) ( b ) ( ii ), I, the affiant, did not receive such notice and thus Navy Federal Credit Union is in violation of 1681s-2 ( ( 7 ) ( A ) ( i ) and the information associated with Navy Federal Credit Union XXXX Account Number : XXXX and the addition fraudulent account number Navy Federal has created as well XXXX must be removed permanently. 

NAVY FEDERAL CREDIT UNION IS COMMITTING FRAUD, PROVIDING FALSIFIED DOCUMENTS TO XXXX, AND REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. IN ADDITION, NAVY FEDERAL CREDIT UNION DOES NOT HAVE AND HAS NEVER HAD MY CONSENT TO REPORT TO MY CREDIT FILE NOR REPORT TO ANY CREDIT BUREAU. I AM NOT RESPONSIBLE FOR THE ALLEGED DEBT BEING SHOWN. XXXX IS ALSO PERFORMING FAKE INVESTIGATIONS. IN ORDER FOR AN INVESTIGATION TO OCCUR, INTERVIEWS MUST BE CONDUCTED PURSUANT TO 15 USC 1681AE. XXXX HAS FAILED TO PROVIDE ME WITH THE NAMES, ADDRESS AND PHONE NUMBERS OF NEIGHBORS, FRIENDS AND ASSOCIATES THAT MIGHT HAVE KNOWLEDGE OF THIS INFORMATION. 

Due to Navy Federal Credit Union posting fraudulent, false and inaccurate information to the credit bureaus and without my consent, this has caused my health to decrease in dramatic fashion. I now have very XXXX XXXX XXXX and have been suffering from XXXX  and XXXX  for a almost a year. I am also XXXX  because of Navy Federal Credit Union. The repeated reporting errors are also prohibiting me from being approved for credit. I am unable to use my credit. These negative and false claims on behalf of Navy Federal Credit Union are affecting my credit worthiness, reputation and livelihood. Ive filed two Identity Theft Reports, sent Navy Federal Credit Union multiple Cease-and-Desist Letters with my demands. Navy Federal continues to be non-compliant. At this point is is harassment. In addition, I provided Navy Federal with a Conditional Acceptance Offer. If they provided me with three items that prove this alleged debt is indeed mine that I would provide payment in direct and immediate exchange for the original instrument of indebtedness in its original form. Navy Federal had failed to provide each item to me. Not to mention, I am now being harassed by Navy Federal Credit Unions lawyers XXXX XXXX XXXX XXXX ) which is illegal and after I provided Navy Federals lawyers ( XXXX XXXX XXXX, XXXX. ) an Offer Rejected Letter. Attorneys can not act as debt collectors. I would like the CFPB to take this case very serious because my livelihood, credit and reputation are in danger and Navy Federal Credit Union is that cause of it. My rights continue to be violated and Navy Federal Credit Union and XXXX as both continue to violate the FCRA.I demand the harassment and suffering to end. I am requesting the assistance of the CFPB and the States Attorney General. 

Navy Federal Credit Union is also committing fraud and XXXX is allowing them to do so. I filed two identity theft reports on Navy Federal Credit Union. The most recent one is attached. Navy Federal Credit Union was removed from my XXXX report before XX/XX/XXXX, then Navy Federal Credit Union created a fraudulent account number ( this account has been closed since XX/XX/XXXX ) without my knowledge nor consent to continue to post the fraudulent debt. XXXX removed the Navy Federal Credit Union account again XX/XX/XXXX. XXXX allowed Navy Federal Credit Union to re-insert this fraudulent account to my credit file again without my consent and nor was I provided a notice of reinsertion letter. Reinsertion occurred from XXXX XX/XX/XXXX. I demand the CFPB have XXXX provide me with their verification methods. Furthermore, I also know XXXX is completing false investigations. Interviews must be conducted in order for an investigation to take place pursuant to XXXX XXXX 1681a ( e ). XXXX has failed to provide me with the names, address and phone numbers of the neighbors friends and associates that might have knowledge of said information. I demand Transunions method of verification. XXXX has 15 days to respond with the exact names and address of who XXXX interviewed. If XXXX does not provide me with the information requested, I DEMAND A PERMANENT DELETION of the account Navy Federal Credit Union - XXXX and account number XXXX. 

Federal Violations Committed by Navy Federal from XXXX XXXX, XXXX through now. 
15 USC 1681B, 15 USC 1681 ( a ) ( 2 ) ( b ), 15 USC 1692b ( 2 ), 15 USC 1692J, 15 USC 1692c ( c ), 15 USC 1692c ( c ) ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ) ,15 USC 1692d ( 4 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), 15 USC 6827 ( 4 ) ( A ), 15 USC 6827 ( 4 ) ( B ) ,12 CFR 1006.6 ( c ) ( 2 ) Federal Violations Committed by XXXX XXXX XXXX on behalf of Navy Federal Credit Union from XX/XX/XXXX through now 15 USC 1692J, 15 USC 1602 ( k ), 15 USC 1692b ( 2 ), 15 USC 1692d ( 4 ), 15 USC 1692e ( 3 ), 15 USC 1692e ( 10 ), 15 USC 1692e ( 15 ), 15 USC 1692f ( 1 ), 15 USC 1692f ( 7 ) Federal Violations Committed by XXXX from XX/XX/XXXX through now 15 USC 1681B, 15 USC 1681c-2, 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), 15 USC 1692j , 15 USC 1692b ( 2 ), 15 USC 1692e ( 8 ) 15 USC 1692e ( 10 ), 15 USC 1681s-2 ( 7 ) ( A ) ( E ), 15 USC 1681s-2 ( 7 ) ( E ) Neither Navy Federal Credit Union nor XXXX have asked my consent to report on my credit reports/files either. That is a direct violation of 15 USC 1681 ( B ). I demand the CFPB step in and take action because these debt collections practices are unfair and causing grave harm to my life. 

XXXX has my authorization to proceed with this complaint.

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