Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

Re- XXXX I have a pending report on Navy Federal and needed to give feedback, because sometimes the Truth is bent. I woke up this morning and noticed that I have a change on my credit report. Navy Federal removed the duplicate reporting ( which is good, but ), left the balance unchanged which is considered securities fraud pursuant to 18 U.S. Code 1348. This because Navy Federal Received a security negotiable instrument according to XXXX XXXX on XX/XX/XXXX at XXXX as a copy of the bearer registered security that was received as followed " Delivered, Front Desk/Reception/Mail Room XXXX, XXXX XXXX XX/XX/XXXX, XXXX am. '' Registered Mail per USPS. ( Exhibit Attached ). Navy Federal has my Credentials as owner of the Living Trust XXXX XXXX XXXX XXXX XXXX Principal , living woman XXXX XXXX XXXX Agen for Principal ( to be distinguished ). The Credentials was placed in the account in the year the Trust was opened. Although, the Credit Card account was opened before the initial Trust was established with Navy Federal, this gave no right for the company nor its affiliates to keep vital information from me. A trust relationship is built on faith of whom you put your Trust in. I never agreed for Navy Federal to report on my Credit ever. If they are going to report, it needs to be a legitimate report as FDCPA requires. ( 15 USC 1692d 806. States Harassment or abuse ). FCRA 607 ( b ) says, no consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title. ( This means they need permission by a competent court of jurisdiction ). Which according to my credentials and ownership they have no right, nor permission. After thoroughly reading the contract with competent help, I discovered that the said contract was void if the credit card wasn't signed ( exhibit attached ) Navy Federal has received copies of my credentials and ownership before and still have the submitted files that were uploaded. Since opening the initial account, I never understood Trust Law, Banking, Credit Card Agreements etc. But Ignorance of the law is without excuse. Now that I am receiving legal guidance, I am perusing my lawful rights under the constitution and exercise my free rights of Texas constitution Bill of rights Sec. 1. FREEDOM AND SOVEREIGNTY OF STATE. Texas is a free and independent State, subject only to the Constitution of the United States, and the maintenance of our free institutions and the perpetuity of the Union depend upon the preservation of the right of local self-government, unimpaired to all the States. 
( Feb. 15, 1876. ) Sec. 2. INHERENT POLITICAL POWER ; REPUBLICAN FORM OF GOVERNMENT. ALL political power is inherent in the people, and all free governments are founded on their authority, and instituted for their benefit. The faith of the people of Texas stands pledged to the preservation of a republican form of government, and, subject to this limitation only, they have at all times the inalienable right to alter, reform or abolish their government in such manner as they may think expedient.

( Feb. 15, 1876. ) Sec. 3. EQUAL RIGHTS. All freemen, when they form a social compact, have equal rights, and no man, or set of men, is entitled to exclusive separate public emoluments, or privileges, but in consideration of public services. 
( Feb. 15, 1876. ) Sec. 3a. EQUALITY UNDER THE LAW. Equality under the law shall not be denied or abridged because of sex, race, color, creed, or national origin. This amendment is self-operative. 
( Added Nov. 7, 1972. ) If nothing is done through CFPB I will be perusing a competent court of equity. All calls that were recorded of phone calls, emails and letters will be used in a court of equity. As stated, before Federal reserve Act section 16 explains the application process. If I produced a signature please verify, because this would indicate that a promissory note was deposited into my account to make me pay back the note of my own funds. This is considered extorsion. I seek immediate results. ALL RIGHTS RESEVED UCC1-308 WITHOUGHT PREJUDICE.