Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: PENTAGON FEDERAL CREDIT UNION (AL)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Pentagon Federal Credit Union Attn : Customer Relations Department XX/XX/XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX Credit Bureau. I have circled the items I dispute on the attached copy of my credit report ( s ). 

The items listed below, are in question and do not belong to me. I sent you a response on XXXX XX/XX/XXXX ; however, you failed to respond. This correspondence was received on XXXX XX/XX/XXXX by your office, USPS Certified mail confirmed delivery on XXXX XX/XX/XXXX. Tracking : XXXX. 

Because Youve failed to address these concerns, I am demanding removal of these items Under Section 609 and 611 of the Fair Credit Reporting Act ( FCRA ) I have requested documentation of the Method of Verification ( MOV ) and this information has not been provided either. ON or about XXXX XX/XX/XXXX, you responded to this last request for MOV, but failed to provide me with the substantiating records. 

The Rationale behind the removal request ( s ) is that each item marked below contains information referencing a XXXX XXXX Bankruptcy filing. However, no such record exists on my XXXX Credit File. Accordingly, this inaccurate reporting misrepresents my credit file, and can not be validated and must be removed. I am also attaching an FTC Identity THEFT report accordingly the items listed below need to be removed immediately. From my file. 

1. Inaccurate/Misleading Account Information being reported PENTAGON FEDERAL CR UN Account Number : XXXX Please remove it from my credit report. 

2. T Inaccurate/Misleading Account Information being reported PENTAGON FEDERAL CR UN Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Inaccurate/Misleading Account Information being reported PENTAGON FCU Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. Inaccurate/Misleading Account Information being reported 5. 
PENTAGON FEDERAL CR UN Account Number : XXXX Please remove it from my credit report. 


XXXX. Unauthorized Credit Inquiry PENTAGON FEDERAL CR UN Account Number : XXXX Please remove this inaccurate information from my credit report. 


Please remove it from my credit report. 
During the times in which your firm reports this accounts as either being opened or filed, I was incarcerated and not able to have established these accounts. I am attaching a letter of incarceration to substantiate my claim. Please remove these items immediately from my file. 

Sincerely, XXXX XXXX XXXX, XXXX. 
Last 4 of social : XXXX Enclosures : As Stated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation