Consumer complaint received 2023-08-17
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 Chief Financial Officer, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Identity Theft Affidavit - Request for Immediate Action To whom it may concern, I, XXXX XXXX XXXX XXXX, am writing to you as a victim of identity theft and to bring your attention to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in various sections of the law, including 15 USC 1681a ( 3 ), 15 USC 1681e ( b ), and FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( b ).

Your company has failed to assume its vital role in making sure the accounts reporting on my consumer report are accurate.

You have received numerous documents regarding information to support my case of identity theft. Shall you continue to ignore my request and deprive me of my rights, I will begin taking legal action against your company pursuant 15 U.S.C. 1681n!

According to 15 USC 1681a ( 3 ), your company plays a vital role in ensuring the accuracy and integrity of the information they report. As a consumer, I rely on your agency to fulfill its responsibility to maintain accurate consumer reports, especially in cases of identity theft.

Furthermore, 15 USC 1681e ( b ) stipulates that your company is entitled to have the maximum possible accuracy when reporting information. It is clear that these accuracy standards must be upheld to protect the interests of consumers and maintain the integrity of credit reports.

Most importantly, FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( b ) emphasizes the requirement for your company to promptly investigate and delete inaccurate information resulting from identity theft.

As outlined by this law, I hereby request the immediate deletion and blocking of all inaccuracies resulting from the fraudulent activities associated with my identity.

Below are listed all of the accounts on my consumer report that are fraudulent due to identity theft. 

Navy Federal Credit Union Credit card XXXX XXXX Navy Federal Credit Union Installment - XXXX To support my claim of identity theft, I have attached the following documents for your reference : 1. A copy of my government-issued identification.

2. Copies of relevant police and identity theft reports filed with the XXXX Police Department and FTC. 

I expect your agency to take immediate action to investigate and resolve this matter in accordance with the FCRA 605B 15 U.S.C. 1681c-2 ( a ) ( b ). 

Specifically, I request the following actions to be taken within four days of receipt of this letter : 1. Delete and block any inaccurate information resulting from the fraudulent activities associated with my identity from my consumer report.

2. Provide me with a written confirmation of the deletion and blocking of the inaccurate information.

3. Provide me with a copy of my updated and accurate consumer report, free of charge.

*Please note that failure to comply with the provisions of the FCRA will result in legal action being pursued against your agency. * I appreciate your attention to this matter and your cooperation in resolving this issue promptly. I look forward to receiving written confirmation of the actions taken within the specified timeframe.

If you require any further information or documentation, please contact me at the email address provided below.Thank you for your immediate attention to this serious matter. 

Sincerely, 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