Consumer complaint received 2022-02-08
Company: NAVY FEDERAL CREDIT UNION
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
Navy Federal Credit Union, I have read the documentary evidence ( my consumer report with XXXX, XXXX, and XXXX ) and I conclude that you are in using deceptive, abusive, and unfair debt collection practice against me a consumer/natural person. Your companies abusive and debt collection practices have contributed to number of personal bankruptcies, loss of job and the invasion of individuals privacy, I am sure. 
XXXX has established laws and procedures for redressing these injuries, but they are inadequate to protect consumers. As most financial institution your abusive debt collection practices are carried on to a substantial extent in the interstate commerce and through means and instrumentalities of such commerce. Even when your abusive debt collection practices are purely intrastate in character, they nevertheless directly effect interstate commerce. And that alone shows a direct willingness on your part to injure consumers, knowing XXXX has clearly directed you not to do so, through the Fair Debt Collection Practices Act, Fair Credit Reporting Act and Truth in Lending. All of which XXXX violated, and by doing so youve injured me the consumer. 
At this current time Navy Federal Credit Union, you appear on my consumer report as a approved extension of credit which is a violation of the Fair Credit Reporting Act. According to XXXX XXXX. XXXX ( XXXX ) ( XXXX ) ( XXXX ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, is to be excluded from a consumer report/my consumer report. 
Remove Navy Federal Credit Union immediately You are also in direct violation of the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( XXXX ). You are a debt collector, trying to collect an alleged debt, so you may not communicate with any person other than me the consumer, that includes XXXX, XXXX and XXXX, also you may never state that, I, the consumer owes any debt. 
Remove Navy Federal Credit Union immediately. 
Also, according to the XXXX, as a debt collector you must have my direct consent or the expressed written permission of a court of competent jurisdiction to communicate with me regarding any debt ( alleged ). You may not ever communicate with third parties, that includes XXXX XXXX, XXXX and XXXX, instructed in XXXX XXXX XXXX. a debt collector may not communicate in connection with the collection of any debt, with anyone other than the consumer, thats in accordance with XXXX XXXX XXXX ( XXXX ) Communication with Third Parties. 
By reporting to consumer reporting agencies without my direct permission or a federal court you are advertising or the sell of a debt to coerce payment. As a debt collector if your trying to engage in any conduct and the natural consequence of which is to harass, oppress, or abuse me in connection with any debt that is wrong, according to XXXX XXXX XXXX ( XXXX ) ( XXXX ) Harassment and Abuse. 
Lastly, to furnish a consumer report, you must again have the permission of a court with jurisdiction in this matter, which I am positive you dont. Since you dont have that, Im positive you dont have my permission to furnish a consumer report. So according to the XXXX, XXXX XXXX XXXX ( XXXX ) Permissible Purposes of report, you must follow the written instructions of the consumer to whom it relates which would be me. 
Remove yourself, Navy Federal Credit Union from my consumer report immediately.

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