Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to bring to your immediate attention a serious issue regarding unauthorized charges on my credit report that have persisted since XXXX. Despite my numerous efforts to resolve this matter, it remains unresolved, and my credit continues to be adversely affected and my life financially harmed. Please see attached police report In XXXX, I received a credit report indicating unauthorized charges. I promptly contacted the company to dispute these charges, providing them with a police report to support my claim of identity theft. However, the company erroneously asserted that the charges belonged to me, despite the clear evidence I presented. 

It is now XXXX, and these unauthorized charges are still being reported on my credit. My repeated requests to have this erroneous information removed have been ignored. Furthermore, the original debt has been sold multiple times, with the collection agencies and credit reporting agencies unlawfully re-aging the debt. This practice is illegal, as is the continued reporting of this debt, particularly when I have furnished proof of identity theft to both the credit bureaus and the bank involved. This debt is unverified, does not follow the requirements and is a violation of 15 U.S.Code 1692g. Please see attached credit report According to the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, if no proof of the alleged debt is provided, then no debt exists. To date, I have never received any documentation substantiating the claim that I owe this debt. Moreover, the statute of limitations has long since expired. 

The continuous reporting of this false debt not only violates my consumer rights to privacy but also constitutes false misrepresentation, mail fraud, and identity theft. The repeated sale and re-aging of a charged-off debt, along with ongoing collection efforts as recent as a week ago, are clear violations of my rights. This is a violation of 15 USC 1692e ( 8 ). More specifically, Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ).

Additionally, if a 1099-C form was indeed issued for this debt as a charge off account, I never received a copy. Reporting this as income is illegal, and it should not appear on my credit report according to IRS regulations. 

The financial harm caused by this situation has been ongoing for almost XXXX  years, severely impacting my life. 15 U.S.Code 1692a ( XXXX ) states Navy federal  and subsequent buyers are all debt collectors by law. They are not registered in my state of Georgia. 15 U.S.Code 1692c ( b ) law. However the debt collector, Navy Federal and the subsequent debt collectors have communicated with the all caps name principal obligor, XXXX XXXX XXXX and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 15 U.S.Code 1692c ( b ). You all have never marked my accounts disputed or stopped collection efforts when requested. This letter from XXXX does not follow the XXXX debt validation notce by the CFPB. 

I also did a certified search for any debts owed by me to others in the state of GA and there are none. Please see attached ucc lien search. How does one owe with a debt collector who is not registered and also has not filed a lien since the alleged debt was owed. 

I look forward to your prompt attention to this serious issue.

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