Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
I filed a dispute with XXXX XXXX XXXX XXXX XXXX XXXX 
According to the following : 1. 15 USC 6802 ( b ) ( 1 ) ( B ) - Gramm-Leach-Bliley Act ( GLBA ) Definition : This provision relates to the disclosure of nonpublic personal information by financial institutions. It specifically allows financial institutions to share nonpublic personal information about a consumer with non-affiliated third parties only if : The financial institution provides the consumer with an opt-out notice, giving them the choice to prevent such sharing.

The consumer is given a reasonable period to opt out of the information-sharing before the institution proceeds with the disclosure.

2. 18 U.S.C. 1028 ( B ) - Identity Theft and Fraud Definition : This section criminalizes the use, possession, or transfer of unauthorized identification with the intent to commit any fraudulent activity. It specifically covers identity theft, where a persons personal identifying information ( like Social Security numbers, credit card numbers, etc. ) is used to commit fraud or other criminal activities.

3. 15 USC 1662 - Truth in Lending Act ( TILA ) Definition : This section of the Truth in Lending Act ( TILA ) prohibits creditors from engaging in unfair or deceptive practices. It focuses on requiring lenders to disclose the true cost of borrowing to consumers, including interest rates, fees, and other terms associated with the credit. It aims to prevent creditors from misleading consumers about the terms of credit agreements.

4. UCCC 3.301 ( 1 ) - Uniform Consumer Credit Code ( UCCC ) Definition : Under the Uniform Consumer Credit Code ( UCCC ), this provision mandates that lenders provide clear and accurate loan documentation to the borrower. This includes the clear disclosure of the loan 's terms, such as interest rates, repayment schedules, and any associated fees, so that the borrower fully understands their financial obligations.

Purpose : To ensure that borrowers are well-informed and understand the terms of the loan they are entering into, promoting transparency and fairness in lending practices. 
Specifically : ( XXXXXXXX XXXX XXXX  v La XXXX ( XXXX ) XXXX XXXX XXXX. XXXX ALRd XXXX. ) My rights are in CLEAR violation. 

XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information and failure to notify consumer dispute results. This aligns with my situation! XXXX has not attempted to remove, nor correct any information. This is preventing me from being able to purchase a home. 

I requested that they cancel, discharge, and remove all debt as I have no federal obligation to this debt. Furthermore, I requested they return any illegal obtained monies/interest with Title and Lien Released .

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