Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Alleged Debt Violation of Debt Collection Laws- XXXX XXXX XXXX To Whom It May Concern, This is My FINAL attempt requesting to validate this debt properly owning this alleged debt that XXXX XXXX XXXX has attempted to collect. This debt was reportedly purchased from PenFed Credit Union, yet I have no contractual or legal obligation with your company. Your collection efforts violate debt collection laws, and I demand that you cease all attempts to collect this debt immediately. 

Violations of Debt Collection Laws 1. Unauthorized Purchase and Collection of My Personal Information I never granted permission for XXXX XXXX XXXX to obtain or use my personal information. The acquisition of my data without my consent raises concerns about violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 
2. Lack of Privity of Contract I have no contractual relationship with XXXX XXXX XXXX. The fact that this debt was allegedly bought from PenFed does not create an obligation for me to pay your company. Debt buyers must provide a valid chain of assignment, which you have failed to do. 
3. Failure to Provide Proper Validation Under 15 U.S.C. 1692g of the FDCPA, I have the right to request full validation of this debt, including a copy of any original contract bearing my signature. Your company has not provided this, making your collection efforts unlawful. 
4. Potential FCRA Violations If XXXX XXXX XXXX has reported this debt to the credit bureaus, it is doing so without legal justification, in violation of the FCRA. I demand immediate deletion of any inaccurate, unverified, or unauthorized reporting. 

Demand for Immediate Action Cease all collection efforts about this alleged debt. 
Provide complete validation of this debt, including a full itemized breakdown, proof of the original contract, and a documented chain of assignment from PenFed to XXXX XXXX XXXX. 
Remove any negative reporting to the credit bureaus at once, as this debt is unauthorized and unverified. 
If you do not comply, I will be suing you for Statutory damages, Actual Damages and my attorney fees. I will also explore legal action for violations of the FDCPA and FCRA. Additionally, I may file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. 
This letter serves as official notice under the FDCPA that I dispute this debt and demand that all further communication conducted in writing. 

Sincerely, XXXX XXXX XXXX Pentagon Credit Union charged off a debt and sold it to XXXX XXXX XXXX and fortified their right to collect or to continue to report. Both Pentagon Credit Union and XXXX XXXX XXXX are reporting to all three Credit Bureaus. Also 18 U.S Code 894 has been committed. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2025 Pentagon Federal Credit Union ( PenFed Credit Union ) XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Dispute Regarding Reporting and Collection of Sold Debt-Account # XXXX To Whom It May Concern, I am writing to formally dispute Pentagon Federal Credit Unions continued reporting and collection attempts on a debt that was sold to XXXX XXXX  XXXX . According to the Fair Credit Reporting Act ( FCRA ), once a creditor sells a debt to a third-party entity, they forfeit the right to report the account as a collectable debt or continue reporting inaccurate information to the credit bureaus. 

Under the FCRA, any entity that furnishes information to credit reporting agencies must ensure accuracy and fairness in consumer reporting ( 15 U.S.C. 1681s-2 ). By selling the account to XXXX XXXX XXXX, PenFed Credit Union relinquished its ownership rights, meaning it no longer has legal standing to report this account as an outstanding obligation under my name. Any continued reporting by PenFed is misleading, violates the FCRA, and negatively impacts my credit standing. 

I demand that PenFed Credit Union : XXXX. Immediately cease all reporting of this account to the credit bureaus ( XXXX, XXXX, and XXXX ). 
2. Remove any negative marks or trade-lines associated with this account from my credit reports.

3. Cease all collection activities related to this debt, as it has been transferred to another entity. 

If this matter is not resolved within 10 days, I will have no choice but to escalate this dispute by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Furthermore, I will consider legal action for willful noncompliance with federal consumer protection laws. 

Please provide written confirmation of your compliance with this request and documentation proving that PenFed Credit Union still holds a legitimate claim to report this debt, if applicable. You may send your response to the mailing address above or via email. 

I appreciate your immediate attention to this matter and expect a prompt resolution. 

Sincerely, XXXX 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 explanation