Consumer complaint received 2024-02-25 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX states There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXXXXXX XXXX XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared which is backed by XXXX XXXX XXXX which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it consumers and to protect the security and confidentiality of those consumers nonpublic personal information. XXXX XXXX and Navy Federal Credit Union is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX section XXXX 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 written instructions of the consumer to whom it relates. XXXX XXXX, Navy Federal Credit Union, and the consumer reporting agencies XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, Navy Federal Credit Union and XXXX XXXX whether it be verbal, nonverbal, written, implied, or otherwise is revoked. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  states that A financial XXXX XXXX not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX never informed me of my nondisclosure option. Not only that XXXX XXXX XXXX ( XXXX  ) ( XXXX ) states Except as authorized under subsection ( b ), no consumer report containing any of the following items of information any adverse item of information other than records of crimes antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) A states A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 
XXXX XXXX XXXX states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to purposes listed under section XXXX of this title. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, and XXXX XXXX XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

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