Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX To : Pentagon Federal Credit Union XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Demand to Correct Inaccurate Credit Reporting | Account # XXXX PenFed Loan Number To Whom It May Concern : This letter is a formal notice and demand for correction of erroneous and damaging information you have reported to the credit bureaus under my name and Social Security number. Your records regarding the above-referenced account contain inaccurate, incomplete, and potentially unlawful information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and may also fall under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, if applicable. 



Specifically, the information being reported is erroneous in the following way ( s ) : The vehicle was considered a total loss and PenFed accepted the loss and the pay off from XXXX XXXX. Delete and remove the loan and balance from my credit because there is no amount owed. 



Key Facts : Loan Satisfaction : On XX/XX/XXXX, my vehicle was declared a total loss. XXXX XXXX XXXX remitted payment to PenFed Credit Union to satisfy the loan in full. PenFed accepted this payoff, and no balance remains owed. XXXX PenFed Loan Number. Delete and Remove. 



I previously submitted a dispute regarding this matter, and the outcome of your investigationClosed with non-monetary reliefis both vague and unacceptable, as it fails to address the substance of the dispute or provide any documentation to support the accuracy of the information being reported.

You are hereby formally put on notice that : Under FCRA 611, you are required to conduct a reasonable reinvestigation of disputed items within XXXX XXXX. 

If you fail to delete the inaccurate information, I will consider this a willful non-compliance with FCRA 616, which entitles me to statutory damages, actual damages, punitive damages, court costs, and attorneys fees. 

Furthermore, if you have shared this false information with any third parties, you may be liable for defamation, negligence, and tortious interference with credit expectancy. 



Unless this matter is fully resolved within XXXX XXXX XXXX, I will proceed with legal action against Pentagon Federal Credit Union, as well as XXXX XXXX XXXX XXXX, for damages under state and federal law. This includes but is not limited to claims under : FCRA 623 Furnisher Responsibilities FCRA 602 Accuracy and fairness in credit reporting FDCPA 807 False or misleading representations State consumer protection statutes In lieu of litigation, I am willing to resolve this matter privately, provided that the inaccurate information is deleted across all reporting agencies and that I receive written confirmation of such action. 



I request that you send me : Written confirmation that the error has been corrected or deleted The results of your reinvestigation A complete copy of all documentation used to verify the disputed item Please consider this letter as a final opportunity to resolve this issue amicably before I pursue all legal remedies available to me. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief