Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Laws set forth by Congress in regards to information reporting is currently being violated but most prominently my right to privacy. Per the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise a crucial responsibility that includes fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX is a nonaffiliate third party. Navy Federal Credit Union is a nonprofit financial institution. XXXX XXXX XXXX XXXX is a financial institution and I am the Consumer. I have the right to ensure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and ongoing commitment to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A furnisher of information to credit agencies- is a financial institution by definition under the title 15 USC 1681 section 604 of section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the nonaffiliate, Navy Federal Credit Union, XXXX XXXX XXXX XXXX does not have my consent to furnish this information and they assuredly do not have my written consent. Any and all consent to XXXX XXXX and Navy Federal Credit Union whether it was verbal, non-verbal, written, unwritten, implied, unimplied or otherwise are revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX is a nonaffiliate third party. Any furnisher of information to credit agencies- Never informed me of my right to exercise my nondisclosure option. Also, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. My financial transactions from years XXXX were disclosed/shared/released between XXXX XXXX the nonaffiliate third party, Navy Federal Credit Union the nonprofit financial institution , and XXXX XXXX XXXX XXXX the financial institution . My privacy has been violated per the Privacy Act of 1974 ( 5 USC Code 552A ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

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