Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Demand for Fraudulent Transactions and Identity Theft Dear XXXX, I am writing to formally demand that XXXX immediately cease and desist from any further actions related to fraudulent transactions and identity theft associated with my personal information. 
Account and Identity Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : [ XXXX ] Date of Birth : [ XX/XX/XXXX ] It has come to my attention that fraudulent transactions have been reported under my name, which I did not authorize. The unauthorized accounts and transactions have negatively impacted my credit report and personal financial standing. I have taken steps to report this identity theft to the Federal Trade Commission ( FTC ) and local law enforcement, but it is imperative that XXXX also take immediate action to address and rectify these issues. 
Cease and Desist Demand : 1. Cease and Desist from Reporting Fraudulent Accounts : I demand that XXXX immediately stop reporting any fraudulent accounts or transactions associated with my name. 
XXXX. Remove Fraudulent Information : Remove any fraudulent accounts and related information from my credit report. 
3. Provide Confirmation : Send me written confirmation within 10 days of receiving this letter that all fraudulent information has been removed from my credit report.

Legal Basis : This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which provides consumers the right to dispute and rectify inaccuracies in their credit reports. Specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates that upon receipt of a dispute, a consumer reporting agency must conduct a reasonable investigation and correct or delete inaccurate or incomplete information. 
15 U.S.C. 1681s-2 ( b ) requires furnishers of information to investigate and resolve disputes regarding the accuracy of the information they report to consumer reporting agencies.

Failure to comply with these demands within 10 days from the receipt of this letter will compel me to take further actions, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for damages incurred. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court held that consumer reporting agencies are obligated under the FCRA to take reasonable steps to ensure the accuracy of the information they report and to promptly address and correct any inaccuracies. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), it was established that consumer reporting agencies have a duty to conduct a reasonable investigation into disputes and correct or remove inaccurate information in a timely manner. 
Please treat this matter with the urgency it warrants. I expect your prompt attention to this serious issue and look forward to your confirmation of the corrective actions taken. 
Thank you for your immediate cooperation. 
Sincerely, XXXX XXXX