Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT - NOTICE TO AGENT IS NOTICE TO PRINCIPAL TO : XX/XX/XXXX DATE : XX/XX/year> This letter is a formal complaint that you are reporting inaccurate, closed and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am writing to dispute the following accounts below : XXXX. XXXX XXXX. DEPT OF EDUCATIONXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. NAVY FEDERAL CR UNION XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX. I am distressed that you have included the following account information on my credit profile. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. You are hereby in receipt of notice under the authority of the Fair Debt Collections Practices Act regarding the above referenced accounts, or all, of the alleged debt is DISPUTED and hereby demand validation and verification as follows : 1. An authentic signed contract between you and CLIENT showing proof that you and that person and you are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation CREDITOR is claiming owed. 2. A statement admitting whether you are the holder in due course or whether you are a servicer. 3. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 4. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. XXXX. The XX/XX/XXXXnumber under which my loan was securitized to. XXXX. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). Failing that, this following account must be deleted from the report agencies ofXX/XX/XXXXas soon as possible. All accounts listed above are entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this inaccurate information. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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