Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was contacted by Navy Federal Credit Union attempting to collect a debt from me that I never contracted or agreed to pay. They attempted to contact me by phone first, and threatened to show up to my door if I hadn't repaid this debt. I told them I would not have a problem paying on this debt if It were mines but it is not mines since I never contracted or agreed to pay for it. Navy Federal Credit union then started to send me mail stating I owed money on these debts and If I agreed to pay something less than what I owed they would stop contacting me about these debts and remove these debts from my consumers report. I have attached pictures of some of the harrasing mail Navy federal has been sending me regarding these debts. After them harassing me for these debts they started to report negative and defaming information on my consumers report about these accounts. They've been reporting negatively on my consumers reporting and defaming my character since XXXX XXXX. I sent a debt validation letter to them and have yet to receive a response. I sent in another debt validation notice and they stil didn't respond. Navy federal credit union has never supplied sufficient information to me in order to validate the debt.Upon checking this account I noticed Navy Federal credit union reported multiple inaccuracies on these accounts to the three main credit reporting agencies.I immediately thought to myself these accounts were not handled with accuracy or integrity due to the number of inaccuracies within these accounts as 12 CFR 1022.41states. Since Navy Federal has never responded to the debt validation letter which I am attaching the letter I sent to them below or supplied me with sufficient information in order to validate these debts, I know the debt is a mistake and not mines. I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. 12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 

Due to the number of inaccuracies within these accounts which I have highlighted in the image below in the attachment section I know this debt is a mistake, not mines and shows this account was not handled with accuracy or integrity.As you can see For accounts XXXX, XXXX, there are inaccurate account numbers, date opened, balance, high credit, last reported, past due, date of last payment and date last active reporting to the three credit reporting agencies/my consumers report.Please remove these account from my consumers report. Due to the inaccuracies of these accounts reporting inaccurate information I have been denied loans I would have been approved for had these accounts furnished the correct information with accuracy and integrity. This has caused me sleepless nights, stress and really bad anxiety. I wake up out of my sleep in sweats thinking how stressed out I am going to be regarding these negative accounts especially since Ive already tried to resolve these debts which don't belong to me. Navy federal credit union should be upholding 12 CFR 1022.41 at all times and clearly its not being upheld. 

ACCOUNT # 'S XXXX, XXXX

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