Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (FL)

NOTICE violation of the FCRA, 15 U.S.C. 1681s by XXXX XXXX XXXX XXXX XXXX Navy Federal, XXXX XXXX XXXX XXXX failure of consideration and breach of contract. A national bank has no power to lend its credit to any person or corporationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Navy Federal, XXXX XXXX XXXX XXXX  did not conduct a reasonable investigation of my disputes, in violation of the FCRA, 15 U.S.C. 1681s. XXXX XXXX XXXX XXXXXXXX XXXX, Navy Federal, XXXXXXXX XXXX XXXXXXXX XXXXknew the reporting of the account on my credit reports was inaccurate. XXXX XXXX XXXX XXXX XXXX Navy FederalXXXX XXXX XXXX XXXX XXXX breached the contract because XXXX XXXX XXXX XXXXXXXX XXXX, Navy Federal, XXXXXXXX XXXX XXXX XXXX never performed by giving me the loans as agreed and required.XXXX XXXX XXXX, XXXX XXXX, Navy Federal, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX security instrument, its rights of recourse aredischargedunder U.C.C. 3-311, 3-603 and 604, and thereforeXXXX XXXX XXXXXXXX, XXXX XXXX , Navy Federal XXXX XXXXXXXX XXXX XXXX XXXXowes XXXX XXXX money not the other way around.All derogatory remarks, hard inquiries and, unverified items listed in the invoice herewith remain on my credit report in violation of Federal Law15 U.S.C. 1681s and15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of theconsumertowhom it relates. If anyone verified information on my credit report without my oral or written consent has violated my rights and has committed fraud. under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. By XXXX XXXX the OriginalCreditor and consumer according to15 U.S. Code 1692a Definitions The term consumer means any natural person obligated or allegedly obligated to pay anydebt. ( 4 ) The term creditor means any person who offers or extends credit creating adebt.XXXX XXXX XXXX, XXXX XXXX, Navy Federal XXXX XXXX XXXX intentionally obtains my security agreements by non-disclosure, concealment and suppression of the material fact that XXXX XXXXXXXX XXXX, XXXX XXXX, Navy FederaXXXX, XXXX and XXXX XXXXis not risking any of theyown assets in the transactions.XXXX XXXX XXXXXXXX, XXXX XXXX, Navy Federal, XXXXXXXX XXXX XXXX XXXXconcealment of the material facts with the Security Agreements establish breach of contract.Contract was NOT Fully Disclosure as required by the Truth-in-Lending Act ( TILA ). 

XXXX XXXX XXXXXXXX, XXXX XXXX, Navy Federal, XXXX XXXX XXXX XXXXfailure of consideration and breach of contract.A national bank hasnopower to lend its credit to any person or corporation... XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 U.S. Code 1681n - Civil liability for willful noncomplianceI have suffered damages in the form of lost credit opportunities, credit defamation, unfavorable credit terms, out of pocket expenses, interference with normal and usual activities, invasion of privacy, and emotional distress, including anxiety, stress, worry, frustration, humiliation and embarrassment. 
XXXX XXXXsuffered damagesasaresult of the misrepresentation.Asaresult ofXXXX XXXX XXXX XXXXXXXX XXXX, Navy Federal, XXXXXXXX XXXX XXXX XXXXviolations ofFair Credit ReportingAct ( CFRA ) .XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Navy Federal XXXX XXXXXXXX XXXX XXXXXXXX XXXX21 days to respond and cure theirDishonor of receipt of this Complaint dispute. If XXXX XXXX XXXXXXXX, XXXX XXXX, Navy Federal, XXXXXXXX XXXX XXXX XXXXXXXXdo not respond on a sworn Affidavit. It will beXXXX XXXX XXXX XXXX XXXX, Navy Federal, XXXX XXXX XXXX XXXXadmission of default to this dispute, breached the contract, violation ofTruth-in-Lending Act ( TILA ), violations of the Fair Credit Reporting Act ( " FCRA '' ), defamation of character, Aggravated Identity Theft, Conspiracy, Racketeering, violation of Privacy Act, mail fraud, misrepresentation, Slandering, Libel, negligent and Civil liability for willful noncompliance XXXX XXXX with XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Navy Federal XXXX XXXXXXXX XXXX XXXX XXXXagreed to promptly update their records to reflect correct data ( Paid, Closed/Never late or delete ) and each company pay ( {$100000.00} ) by XX/XX/year> XXXX form of a check payable toXXXX XXXX.