Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Michigan, United States XXXX, Outlying Islands Near. [ XXXX ] CRID : XXXX | MID : XXXX To : Credit Reporting and XXXX Department Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Subject : Formal Dispute of Inaccurate Duplicate Tradeline & Demand for Full Validation of Alleged Debt Dear Compliance XXXX, This is a formal dispute pursuant to XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX of the Fair Debt Collection Practices Act ( FDCPA ), and XXXX U.S.C. XXXX et seq. of the Truth in Lending Act ( TILA ). 

Upon reviewing my consumer credit disclosures through TransUnion, I observed XXXX active {$2000.00} credit card tradelines being reported by Navy Federal Credit Union, both bearing identical open dates of XX/XX/XXXX and nearly identical account numbers ending in XXXX * *. 

The reported data is as follows : Tradeline XXXX : Current Balance {$2000.00} | Original Balance {$2000.00} | Limit {$2000.00} | Last Payment XX/XX/XXXX | Monthly Payment {$26.00}. 
Tradeline XXXX : Current Balance {$2100.00} | Original Balance {$2100.00} | Limit {$2000.00} | Last Payment XX/XX/XXXX | Monthly Payment {$74.00}. 

Both are reflected as Open with a current OK payment status and no delinquencies. I only recall authorizing a single credit card account with your institution. The existence of a second, nearly identical account raises a material accuracy issue under XXXX U.S.C. XXXX ( b ), as it results in duplicate liability, inflated utilization ratios, and a distorted credit profile. 

Pursuant to statutory rights, I hereby demand the following : XXXX. Immediate validation and itemization of any and all accounts alleged to be associated with my name, estate, or identifying informationincluding the original signed application, executed credit agreements, statements, and any related authorizations. 
XXXX. A clear delineation between the legitimate account and any erroneous or fraudulent tradeline. 
XXXX. Deletion or correction of any account that can not be fully substantiated with original source documentation. 
XXXX. Written confirmation of your findings and corrective actions within the statutory time frame. 

Notice : Failure to provide proper validation within 30 days as required by law will constitute a violation of XXXX U.S.C. XXXX ( a ) and XXXX ( b ) and will be treated as an admission of reporting error and unauthorized extension of credit. I will pursue administrative remedies and civil action under XXXX U.S.C. XXXX, XXXX, and applicable state law. 

Additionally, your furnishing of duplicate tradelines without proper verification constitutes negligent and/or willful noncompliance and unfair credit reporting practices. 

Please direct all correspondence to the Executor Office mailing address listed above. 

Sincerely, XXXX XXXX XXXX XXXX, Estate Executor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation