Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX. XXXX Account # XXXX Violations alleged : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy. 
FCRA 1681i : Failure to perform lawful reinvestigation after prior disputes.

FCRA 1681s2 ( a ) : Reporting inaccurate charge-off balances and aging errors.

California Civil Code 1785.25 ( a ) : Furnishing information known to be inaccurate. 
Demand : Produce original signed contract, account-level ledger, charge-off calculation, itemized interest schedule. If not produced, DELETE IMMEDIATELY. 
XXXX. XXXX XXXX Account # XXXX Violations : FCRA 1681i ( a ) ( 1 ) ( A ) : Duty to reinvestigate upon notice of dispute. 
FCRA 1681c2 : Must block unverifiable data.

FCRA 1681s2 ( a ) ( 1 ) ( A ) : Can not report inaccurate info.

Demand : Provide proof of lawful ownership, proof of charge-off, exact date of first delinquency, and full payment history. If unverifiable, DELETE. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX Violations : FCRA 1681s2 ( a ) ( 2 ) : Failure to correct inaccurate settlement reporting.

FCRA 1681e ( b ) : Reporting inaccurate 30/60/90 late marks.

Demand : Provide signed settlement agreement and proof of amounts. If not, DELETE. 
XXXX. NAVY FEDERAL CREDIT UNION Account # XXXX Violations : FCRA 1681e ( b ) : Multiple inaccuracies in aging of delinquency. 
FCRA 1681i : Failure to produce proper verification.

California Civil Code 1785.16 : Requirement to investigate disputed info.

Demand : Provide chain-of-custody documentation, charge-off ledger, full validation. If not verified, DELETE. 
XXXX. XXXX / XXXX Account # XXXX Violations : FCRA 1681s-2 ( a ) : Reporting unverifiable pastdue balances. 
FCRA 1681b : No permissible purpose documented for account continuation. 
Demand : Provide original application + payment history + charge-off explanation. If unable, DELETE. 
LEGAL DEMAND FOR ALL ACCOUNTS : Under FCRA 1681i ( a ), you have 30 days to complete a lawful reinvestigation. 
Under FCRA 1681c2, unverifiable information MUST be blocked within 4 days.

Under FCRA 1681e ( b ), accuracy is mandatory, not optional.

Under California Civil Code 1785.25 ( a ), inaccurate information can not be furnished. 
If ANY furnisher fails to provide VERIFIED, SOURCE DOCUMENTATION : YOU ARE REQUIRED TO DELETE THE ACCOUNT. 
METHOD OF VERIFICATION ( MOV ) DEMAND : Under FCRA 1681i ( a ) ( 7 ), I demand : Name of individual verifying data Method of verification Documentation used Date/time verification occurred Failure to provide MOV constitutes willful noncompliance and mandates deletion. 
FINAL NOTICE : If any disputed item remains without full verification, you are in violation of : FCRA 1681n Willful noncompliance ( civil liability ) FCRA 1681o Negligent noncompliance California Civil Code 1785.31 Civil remedies I REQUIRE A FULL UPDATED REPORT REFLECTING ALL DELETIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief