Consumer complaint received 2024-09-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (NJ)

I am writing to formally dispute the negative impact on my credit report and any related issues stemming from the confiscation of my XXXX XXXX by the Secret Service in XXXX. ( I do not have my account # but my ssn # is XXXX ) In XXXX, my vehicle, a XXXX XXXX XXXX was confiscated by the Secret Service while it was being driven by my cousin, XXXX XXXX XXXX Unbeknownst to me, he was under investigation for committing illegal acts. I had no knowledge of his involvement in any criminal activities and had allowed him to use my vehicle in good faith. 

When my vehicle was confiscated, all my important documents, including the vehicle registration, were inside. Despite multiple attempts to retrieve my vehicle and obtain documentation regarding its seizure, I have not received any official communication from the Secret Service. However, it has been confirmed through my visits to their office that they do indeed have my vehicle. 

This situation has unfairly impacted my credit, causing significant financial distress. I was not involved in any wrongdoing, and the consequences have been unjustly reflected on my credit report. 

Legal Basis for Dispute : XXXX. Due Process : The U.S. Supreme Court in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), established that individuals are entitled to notice and an opportunity to be heard before their property is seized. The Secret Services failure to provide me with official notification or documentation regarding the seizure of my vehicle potentially violates these due process rights. 
XXXX. Accuracy of Credit Reporting : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies are required to ensure the accuracy of information in credit reports and must investigate disputes regarding inaccuracies. The negative items on my credit report resulting from this incident are inaccurate and should be corrected. 
XXXX. Government Liability for Seizures : The Supreme Court in United States XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ), affirmed that procedural due process is required for property seizures by the government. This case underscores the need for proper procedures, which may not have been followed in the seizure of my vehicle. 

I am requesting the following actions : XXXX. Immediate removal of any negative items related to this incident from my credit report. 
XXXX. A thorough review of the circumstances leading to the confiscation of my vehicle and the subsequent impact on my credit. 
XXXX. Assistance in obtaining any necessary documentation from the Secret Service or related agencies that may assist in rectifying this situation. 

Although I do not have access to my vehicle registration or other documents that were in the car at the time of confiscation, I am providing any other information I have that may help to clarify this situation. 

I trust that this matter will be addressed promptly and that my credit report will be corrected to reflect the true nature of the situation. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX