Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Fraudulent Information and Unauthorized Inquiries To Whom It XXXX Concern : I am writing to formally dispute multiple inaccuracies on my Equifax credit report. This dispute concerns fraudulent use of my personal information while I was incarcerated, which resulted in incorrect names, addresses, and unauthorized credit inquiries being reported in my credit file. 
Incorrect Names XXXX XXXX XXXX XXXX These variations do not accurately reflect my legal name, which is XXXX XXXX XXXX. Any reporting under alternate names is misleading, inaccurate, and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information. 
Fraudulent Addresses to Remove XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX XXXX XXXX XXXX XXXX # A, XXXX, TX XXXX These addresses were never associated with me. My current and valid address is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Business Type : Automobile Dealers, New XXXX Southwest XXXX XXXX, XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Scheduled to continue until XX/XX/XXXX I did not authorize this inquiry. Any credit check performed without my consent is a violation of FCRA XXXX ( f ) and constitutes unauthorized access to my consumer report. 
Facts Regarding Fraudulent Activity At the time these accounts, addresses, and inquiries were reported, I was incarcerated and completely unable to authorize, conduct, or participate in any financial transactions. This makes all such reporting the result of identity theft, which I am formally documenting.

Legal Violations and Case Law 1. FCRA 1681i ( a ) Consumer reporting agencies must conduct a reasonable reinvestigation when a dispute is submitted. Reporting fraudulent or inaccurate information without proper investigation violates federal law.

2. Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Courts require CRAs to conduct thorough investigations beyond superficial review.

3. Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) CRAs are liable if they fail to remove inaccurate information after notice.

4. Richardson v. Fleet Bank of Mass., 190 F. Supp. 2d 81 ( D. Mass. 2001 ) Reporting fraudulent information violates the FCRA.

5. Dalton v. Capital Associated Indus., Inc. , 257 F.3d 409 ( 4th Cir. 2001 ) Confirms the consumers right to correct false or fraudulent information.

Demand for Immediate Action I demand that Equifax : 1. Immediately remove all fraudulent names, addresses, and inquiries listed above.

2. Provide written confirmation that these deletions have been completed

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