Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I recently filed a complaint against XXXX. The company responded. In their response they have a number of violations that need to addressed. 
I. FACTUAL SUMMARY OF THEIR RESPONSE XXXX admits the following : They reported the collection account to the credit bureaus. 
They purchased ( were assigned ) the debt on XX/XX/XXXX. 
They reported the debt on your credit within days of assignment. 
They claim the original creditor sent you notice on XX/XX/XXXX. 
They claim they also sent a notice shortly after assignment. 
You state you never received a notice and never had the opportunity to dispute. 
Navy Federal was still reporting before XXXX added their duplicate entry. 
This alone triggers several FCRA and FDCPA violations. 
II. VIOLATIONS COMMITTED BY XXXX XXXX  ( XXXX ) 1. FDCPA 1692g ( a ) Failure to Send a Timely Written Notice of Debt A debt collector must send a written notice within 5 days of first communication or first reporting. 
They reported the debt before : validating it sending notice giving you 30 days to dispute Their own timeline : Assignment : XX/XX/XXXX Reported to bureaus : Immediately ( you saw the bureau entry before any notice ) Alleged notice : Shortly after assignment ( not dated ) This is a strict liability violation. 
2. FDCPA 1692g ( b ) Continued Collection Activity Before Validation Reporting to the credit bureau is considered collection activity. 
They reported before sending validation, which is illegal. 
3. FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information Known to Be Inaccurate When a collector reports an account before legally required notice, the reporting is inaccurate by definition. 
4. FCRA 1681s-2 ( a ) ( 8 ) ( E ) Failure to Investigate After Direct Dispute You specifically stated in your CFPB complaint that you never received any communication, yet they closed your complaint without providing proof of notice or proof of validation. 
This constitutes failure to conduct a proper investigation. 
5. FDCPA 1692e ( 8 ) Communicating Credit Information Known to Be False They reported a delinquent debt without : notice validation proof you owed it proof of assignment a correct balance which is an FDCPA violation. 
6. FCRA 1681s-2 ( b ) Failure to Correct After Dispute Once you disputed through the bureaus and through the CFPB, XXXX was required to : contact the bureau correct/delete any inaccurate info provide proof of accuracy They did none of this. 
7. XXXX Violation Duplicate Reporting Navy Federal was still being reported in some bureaus, and XXXX added their version of the same debt. 
This violates : XXXX Credit Reporting Resource Guide FCRA 1681e ( b ) Maximum Accuracy FCRA 1681s-2 ( a ) ( 1 ) ( A ) Collectors can not report an account where : the original creditor is still reporting it, or they can not show the original creditor updated to {$0.00}. 
This is a per se deletion requirement. 
8. FDCPA 1692f Unfair and Unconscionable Practices Reporting a debt without first : notifying the consumer allowing 30 days to dispute sending validation ensuring accuracy is an unfair practice under 1692f. 
9. FCRA 1681c Impermissible Reporting of Obsolete or Incorrect Dates Their dates are contradictory : They claim a last payment XX/XX/XXXX. 
They claim a charge-off XX/XX/XXXX. 
They claim assignment XXXX. 
Any incorrect or manipulated dates = FCRA violation. 
10. FDCPA 1692j False Representation of Legal Status By reporting a debt as collectible without proof of legal assignment, they misrepresented their legal authority. 
11. They admitted they purchased the debt WITHOUT validating it first Their exact wording : Notwithstanding the aforementioned, validation will be provided. 
This is an admission that : they reported the debt attempted to collect and responded to CFPB without validation in hand, violating 1692g ( b ). 
III. ADDITIONAL EVIDENCE OF ILLEGALITY Timeline violation They bought the debt XX/XX/XXXX, and had it reporting almost immediately. 
Legally they can not : report collect assign internal numbers pursue the debt until the consumer has received : a letter a right-to-dispute notice a 30-day dispute window They bypassed the entire statutory process. 
IV. STATUTORY DAMAGES I am DEMANDING I am requesting : FDCPA Damages {$1000.00} per action 1692g ( a ) 1692g ( b ) 1692e ( 8 ) 1692f 1692j FCRA Damages {$1000.00} per violation 1681s-2 ( a ) ( 1 ) ( A ) 1681e ( b ) 1681i 1681s-2 ( b ) XXXX Violations Based on the violations, I am demanding : {$6000.00} {$10000.00} in statutory damages plus deletion of the tradeline.

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