Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and unlawful charge-off accounts currently reported on my credit file by XXXX XXXX XXXX XXXX These entries violate several provisions of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ), and must be removed immediately.

Legal Grounds for Dispute FCRA Section 611 ( 15 U.S.C. 1681i ) Inaccurate or Unverifiable Reporting I dispute the accuracy and completeness of these charge-offs. Under Section 611, the bureaus must reinvestigate, and if unverifiable, the accounts must be deleted.

FDCPA Validation Requirement ( 15 U.S.C. 1692g ) Neither the original creditor nor any collection agency has provided proper validation of the alleged debts. Without validation, continued reporting and collection are unlawful. 

FCRA Accuracy Standards ( 15 U.S.C. 1681e ( b ) ) Incorrect Dates & Balances Several charge-offs list incorrect dates of last activity, re-aged delinquency dates, or inaccurate balances, which is prohibited.

FCRA Section 609 ( 15 U.S.C. 1681g ) Right to Verification I formally requested verification of these accounts, and no valid documentation proving the debts has been provided. If verification can not be produced, the accounts must be deleted.

Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) Misrepresentation &
Disclosure Violations The original creditors failed to properly disclose terms or misrepresented lending practices, rendering the charge-offs invalid.

FCRA Re-Aging Prohibition ( 15 U.S.C. 1681c ) Some charge-offs have been illegally re-aged to extend their reporting period, which is strictly prohibited.

Duplicate Reporting ( FCRA 1681e ( b ) ) Some debts are reported more than once, creating duplicate charge-offs from the same creditor, which is inaccurate and misleading.

Inaccurate Payment History Reporting ( FCRA ) Payments I made have not been accurately reflected in these accounts, violating the requirement for completeness and accuracy. 

Paid or Settled Accounts ( FCRA Accuracy Requirement ) Certain charge-offs were paid or settled, yet remain reported as negative and open. This is inaccurate and must be corrected or deleted.

Identity Theft & Fraudulent Accounts ( FCRA 1681c2 ) At least one account resulted from identity theft. Enclosed is my FTC Identity Theft Report as proof. Under the FCRA, fraudulent accounts must be blocked and removed within 4 business days.

FDCPA Failure of Notification I was not properly notified of certain charge-offs, violating FDCPA requirements to provide clear notice of delinquency or charge-off status.

FCRA Statute of Limitations 7-Year Reporting Limit ( 1681c ( a ) ( 4 ) ) Some charge-offs have been reported beyond the 7-year limit from the date of first delinquency. These must be deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief