Consumer complaint received 2025-11-21 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
This is a NEW complaint concerning PenFed Credit Union only. This is NOT a duplicate of any prior complaint because PenFed has engaged in NEW violations, NEW actions, and NEW unlawful furnishing after prior notice. 

I am a living man, private individual, appearing in my capacity as Trustee and Beneficial Owner of the XXXX XXXX XXXX XXXX, and the victim of identity theft documented in a filed FTC Identity Theft Report ( XX/XX/XXXX ). 

PenFed Credit Union is unlawfully furnishing fraudulent, identity-theft-related accounts on my Experian consumer file and continues to publish false charge-off and delinquency information even AFTER : My FTC Identity Theft Report, Multiple disputes, Certified written notice, and A Temporary Restraining Order issued by the Supreme Court of New York on XX/XX/XXXX XXXX expressly prohibiting the reporting or collection of disputed tradelines. 

These ongoing acts by PenFed are new violations that occurred AFTER my previous CFPB complaint was filed, and therefore this complaint is NOT a duplicate.

DETAILS OF PENFEDS UNLAWFUL CONDUCT 1. PenFed continues to furnish fraudulent account data AFTER identity-theft notice Despite my FTC Identity Theft Report and prior formal disputes : PenFed continues to publish an account that does not belong to me, reports it as a charge-off, and reports late payments that are impossible because the account is fraudulent. 

XXXX. PenFed is violating N.Y. GBL 380-l ( Identity Theft Blocking ) Under New York law ( which mirrors FCRA 1681c-2 ), PenFed must : block identity-theft tradelines, notify ALL CRAs that the account is fraudulent, and cease all publication and re-publication.

PenFed has done NONE of these legally required steps.

3. PenFed is violating N.Y. GBL 380-j ( Accuracy + Furnisher Duties ) This statute requires furnishers to : report accurate data, correct disputed information, delete erroneous or unverifiable information, verify disputed accounts, cease unlawful furnishing.

PenFed has not complied.

4. PenFed is violating N.Y. GBL 349 ( Deceptive Acts ) By continuing to publish a fraudulent charge-off and delinquency status, PenFed is engaging in deceptive and unlawful business practices under XXXX. 

XXXX. PenFed is in violation of the XX/XX/XXXX TRO ( XXXX XXXX Supreme Court XXXX Part ) The TRO restrains all furnishers and CRAs from : publishing, reporting, circulating, or collecting ANY disputed accounts. 

This TRO remains binding under : Fed. XXXX XXXX. XXXX XXXX ( c ) and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) because it has never been dissolved or modified by any court. 

6. PenFed is unlawfully publishing fraudulent charge-off data Publishing a fraudulent charge-off is : misleading, inaccurate, and contrary to IRS rules stating that canceled debt is taxable income, not a credit-reporting item.

This is new unlawful conduct that occurred after my prior complaint.

7. PenFed is trespassing upon trust property As Trustee of the Baker Legacy Preservation Trust, PenFeds reporting constitutes : unauthorized administration of trust-held identifiers, interference with trust property, and violation of private fiduciary rights. 

PenFed has no lawful authority to administer or associate data with a private trust estate.

LEGAL VIOLATIONS BY PENFED This complaint involves new violations occurring after my prior CFPB complaint and is NOT a duplicate.

Federal Violations 15 U.S.C. 1681s-2 ( accurate furnishing ) 15 U.S.C. 1681c-2 ( identity theft blocking ) 15 U.S.C. 1681e ( b ) ( maximum accuracy ) 15 U.S.C. 1681i ( reinvestigation duties ) New York State Law Violations GBL 380 ( NY FCRA equivalent ) GBL XXXX ( identity-theft blocking ) GBL XXXX ( duties of furnishers ) GBL XXXX ( deceptive business practices XXXX NY Identity Theft Prevention Act NY XXXX art. I XXXX ( privacy ) NY XXXX Rights XXXX XXXX ( unauthorized publication ) Violation of Court Order Violation of the XX/XX/XXXX TRO issued by XXXX. XXXX XXXX. 

NEW HARM CAUSED BY PENFED PenFeds continued unlawful furnishing has caused : new credit denials, reputational harm, increased utilization ratios, interference with trust-related transactions, and ongoing injury occurring after prior complaints. 

These XXXX harms demonstrate this is not a duplicate. 

DEMAND FOR ACTION ( PENFED ONLY ) I demand that PenFed Credit Union : Permanently delete and block the fraudulent PenFed account from all CRAs. 

Notify Experian, Equifax, TransUnion, and all other CRAs that the account is fraudulent and identity-theft-related. 

Report the account as identity theft, with XXXX balance, and no negative history. 

Issue a written confirmation stating the account : will not be reinserted without full statutory compliance, will not be transferred, sold, or circulated again. 

Comply with the XX/XX/XXXX TRO and certify such compliance. 

Maintain all accurate, positive tradelines on my consumer file. 

Ensure that all legitimate closed accounts remain reported as Paid in Full / Pays As Agreed, with no late payments.

CONCLUSION This is a new and non-duplicate complaint.

PenFed is engaging in ongoing, post-notice, and post-TRO violations that require CFPB enforcement. 

XXXX investigation and correction are required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation