Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/year> Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Formal Dispute of Inaccurate Reporting and Request for Permanent Deletion Account # : XXXX To Whom It XXXX Concern, This letter constitutes a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 8 ) [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ] and a demand for investigation and permanent deletion of the negative item you are reporting regarding the above-referenced account. 
Violation of XXXX XXXX : Your continued reporting of this account in its current form constitutes violations of federal law, including but not limited to : XXXX. FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Requires that information provided to credit reporting agencies be reported with maximum possible accuracy. Failure to furnish complete and verifiable information constitutes noncompliance. 
XXXX. FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] Requires that credit reporting agencies conduct a reasonable reinvestigation upon notice of dispute. 
XXXX. FCRA 605 ( a ) [ 15 U.S.C. 1681c ( a ) ] Information that is inaccurate, outdated, unverifiable, or incomplete must not be reported. 
XXXX. FDCPA 807 ( 8 ) [ 15 U.S.C. 1692e ( 8 ) ] Prohibits the communication of credit information known or which should be known to be false, including failure to communicate that a disputed debt is disputed. 
XXXX. FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ] Mandates the cessation of collection until verification is provided. 
Required Action : I hereby demand the following under federal law : XXXX. Provide complete verification of this alleged debt, including : o Signed original contract o Full itemization of the balance claimed o Name and contact information of the person or department who verified the debt o All billing statements and communications related to the alleged balance XXXX. If you can not provide full verification and accurate, complete documentation within 30 days, you must : o Immediately request permanent deletion of this tradeline from XXXX XXXX XXXX XXXX  XXXX Provide me with written confirmation of deletion for my records Notice of Intent : If you fail to provide the legally required verification or continue reporting unverifiable, inaccurate, or incomplete information, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney General of my state Initiate legal action to seek statutory and actual damages, attorneys fees, and punitive damages under FCRA 616 [ 15 U.S.C. 1681n ], FCRA 617 [ 15 U.S.C. 1681o ], and FDCPA 813 [ 15 U.S.C. 1692k ] This is your formal notice of dispute under both FCRA and FDCPA. Failure to comply with federal law will result in escalation. 
I expect your full response within 30 days of receipt of this notice, as required by law. 
Sincerely, 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