Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX, Louisiana XXXX SSN : XXXX XX/XX/XXXX NAVY FEDERAL CR. UNION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Notice to agent is notice to principal notice to principal is notice to agent { NAVY FEDERAL CREDIT UNION # XXXX } I sent in a dispute to your company regarding some inaccurate and incomplete information that is being furnished on my consumer report. at { XXXX }. 

You received my dispute letter on { XX/XX/XXXX } by certified mail tracking number # { XXXX XXXX XXXX XXXX XXXX XXXX } It has been well over 30 days and you have not responded. This information by law must be deleted.

15 USC 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true. Id. at 1303. If the furnisher does not already have such evidence, it must seek out and obtain it before reporting that the information is verified. Id. at 1303 ; see also XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ).

importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
You not responding to my dispute within the 30 day period allotted by law proves you can not validate or verify this account. 
Delete this account { # XXXX } from my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX UCC 1-308 Tracking # XXXX XXXX XXXX XXXX XXXX XXXX

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