Consumer complaint received 2020-09-22
Company: NAVY FEDERAL CREDIT UNION
State: NJ
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:
I was a victim of identity theft and I discovered it back in XXXX. 

I filed an identity theft report with the FTC and sent in all my documents to the credit bureaus, XXXX, XXXX and XXXX. 

Navy Federal Credit Union removed the fraudulent account from XXXX   and XXXX but continued to report the fraudulent account to XXXX. 

I sent in a second letter to Navy Federal Credit Union letting them know this account is fraudulent and it should be removed from my XXXX credit file just as it was removed from my XXXX and XXXX credit file. I sent this letter on XX/XX/XXXX in which I have attached the certified mail receipt to this complaint. 

A second letter got sent on XX/XX/XXXX in which the letter and the certified mail receipt are both attached to this complaint. This letter was requesting business records of this fraudulent account that Navy Federal Credit Union claims was my account. In accordance with section 609 ( E ) of the Fair Credit Reporting Act they have 30 days upon request to provide such documentation. I still have not received any documentation in the mail supporting their position that this account belongs to me. 

I have filed a police report and signed and notarized a sworn affidavit that this account does not belong to me and should be removed from my credit file. 

Navy Federal Credit Union violated my rights under the Fair Credit Reporting Act by not removing this account and by not providing me with business documentation proving this account is mine. 

In addition to my civil rights being violated they have violated their subscription agreement with the credit bureaus in which I have attached to this complaint as well. I have educated myself with the Metro 2 compliance rules and regulations and Navy Federal Credit Union is required to report accurately with each credit bureau they have a subscription agreement with. They are only reporting this fraudulent account with Experian but not the other credit bureaus, how is this in compliance? 

Further questions, how does Navy Federal Credit Union reserve the right not to abide by the Fair Credit Reporting Act? Are they able to deny  requests of information? 

I have attempted to call Navy Federal Credit Union several times to work this out and each time they tell me they can not and will not do anything because they believe this account belongs to me yet they have failed to provide me with such documentation to support that claim. 

Navy Federal Credit Union is slandering my reputation and preventing me from moving forward with my life. This is defamation of character at its core. I have provided every piece of documentation requested of me to get this fraudulent account removed and Navy Federal Credit Union has not been responsive to my most basic requests.

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