Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION
State: GU

Complaint narrative:
) ) ) RE : CFPB COMPLAINT # : XXXX ( ( ( THIS IS A FOLLOW-UP MILITARY-CONSUMER COMPLAINT REGARDING XXXX CONTINUED KNOWING VIOLATION OF THE FAIR CREDIT REPORTING ACT COMPLAINT REGARDING XXXX CONSUMER REPORTING AGENCY CONTINUED VIOLATION OF MY CFRA RIGHTS ( FCRA )... ( BY XXXX KNOWING REFUSAL INACCURATE DATA REPORTING AND.. XXXX FAILURE TO PROVIDE RECENT COPY OF MY XXXX CONSUMER CREDIT FILE ), VIOLATION OF THE FCRA... 
I HEREWITH Incorporate WORD-FOR-WORD my filed FCRA Consumer complaint # : XXXX DATED XX/XX/XXXX, against XXXX as AN INTEGRAL PART OF THIS COMPLAINT AS if it were ONE AND the same... 
BACKGROUND... ON XX/XX/XXXX I RE-SUBMITTED FILED STATUTORY CONSUMER COMPLAINT AGAINST XXXX FOR REPORTING INCORRECT WRONG PERSONAL DATA AND INACCURATE WRONG ACCOUNT INFORMATION AND REPORTING A XXXX ( XXXX ) FEDERAL XXXX SCORE ON MY XXXX CONSUMER CREDIT FILE ( SEE CFPB COMPLAINT # : XXXX DATED XX/XX/XXXX )... 
TO DATE XXXX DID NOT PROVIDE OFFICIAL RESPONSE TO MY CONSUMER FINANCE PROTECTION BUREAU ONLINE COMPLAINT. HOWEVER TO FURTHER CONCEAL FROM CFPB THE EXTENT OF XXXX FCRA VIOLATIONS.... XXXX HAS UNLAWFULLY UNDER-CUT THE AUTHORITY OF THE CFPB OUT OF THE LAWFUL COMPLAINT PROCESS AND INSTEAD... 
XXXX IN A XXXX BOILER-PLATE LETTER WITH CONFIRMATION # : XXXX, ADDRESSED TO ME AND SENT BY U.S. MAIL, DATED XX/XX/XXXX... IN PERTINENT PART [ XXXX ALLEGES XXXX CONDUCTED AN INVESTIGATION OF MY DISPUTE AND FURTHER ALLEGES XXXX REVIEWED MY PERSONALLY IDENTIFIABLE INFORMATION ( I.E. MY SOCIAL SSN AND ADDRESS ON MY XXXX CREDIT FILE IS CURRENT ] AND ALSO ALLEGES THAT THE ( NOT XXXX ).. BUT REPORTING CREDITORS HAVE COMPLIED WITH LAW ( SEE XXXX LETTER DATED XX/XX/XXXX EXHIBIT XXXX )... HOWEVER TO THE CONTRARY XXXX HAS NOT COMPLIED WITH FEDERAL FCRA LAW...

MY CREDITORS HAVE REPORTED AND DENIED ME FINANCIAL SERVICES AND CREDIT ... BECAUSE XXXX SPECIFICALLY CONTINUES TO KNOWINGLY AND UNLAWFULLY INCORRECTLY-WRONGLY REPORT, ( XXXX ( XXXX ) FEDERAL XXXX SCORE, NO SOCIAL SECURITY NUMBER, NO CURRENT ADDRESS, NO CREDIT ACCOUNTS, NO CREDIT HISTORY REPORTED ON MY XXXX CREDIT REPORT, CONTRARY TO CREDITORS REPORTING AND FACTS. IN VIOLATION OF MY MILITARY CONSUMER RIGHTS UNDER THE FCRA. 
NO CREDIT HISTORY... IS CURRENTLY WRONGLY REPORTED ON MY XXXX CREDIT REPORT, IN VIOLATION OF MY MILITARY CONSUMER RIGHTS UNDER THE FCRA AND CAUSE MY FAMILY MILITARY SERIOUS FINANCIAL DAMAGES AND HARDSHIP IN VIOLATION OF MULTIPLE FEDERAL LAWS..

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>C O M P L A I N T <<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<< ) ) ) STATUTORY AUTHORITY ( FEDERAL LAW ) ( ( ( ( - THE FAIR CREDIT REPORTING ACT ( FCRA ) SECTION 609 ( a ), REQUIRES ALL CONSUMER REPORTING AGENCY ( XXXX ) MUST UPON NOTIFICATION STOP REPORTING INACCURATE INFORMATION... UPDATE CORRECT AND ONLY REPORT CORRECT INFORMATION ON MY XXXX CONSUMER CREDIT FILE... AND XXXX MUST DISCLOSE AND PROVIDE ME WITH A FREE COPY OF MY MOST RECENT UPDATED XXXX CONSUMER CREDIT REPORT IN RESPONSE TO MY FORMAL FILED FEDERAL CFPB COMPLAINT ). THE FCRA STATUTE SPECIFIC PURPOSE BEING TO ENABLE ME THE CONSUMER AND CFPB TO HAVE DOCUMENTED PUBLISHED EVIDENCE NEEDED TO VERIFY IF XXXX HAS INDEED COMPLIED WITH FCRA AND REPORTING CORRECT INFORMATION... XXXX XX/XX/XXXX RESPONSE HOWEVER DID NOT DO SO ( SEE CFPB PUBLISHED CASE REPORT ATTACHED ). INSTEAD XXXX TO FURTHER XXXX DECEPTIVE ACTS AND PRACTICES AND TO FURTHER XXXX CONTINUED VIOLATION OF FCRA... 

) ) ) COMPLAINT ONE ( ( ( - ( VIOLATION OF FCRA SECTION 609 ( a ) ) - ( 1 ) BY XXXX KNOWING FAILURE AND REFUSAL TO TIMELY DISCLOSE FULL COPY OF MY XXXX CONSUMER CREDIT REPORT TO ME CONSUMER... SPECIFICALLY XXXX XX/XX/XXXX RESPONSE LETTER FAILED, DID NOT PROVIDE A FULL COPY OF MY XXXX CONSUMER CREDIT REPORT INSTEAD... XXXX ASSERTS CONSUMER SHOULD ADD A STATEMENT TO MY XXXX CREDIT FILE TO CORRECT XXXX INACCURATE WRONG REPORTING, XXXX FURTHER ASSERTS THAT IT IS THE RESPONSIBILITY TO THE CREDITOR ( NOT XXXX ) TO SEND ME A LETTER WHY THEY DENIED MY CREDIT APPLICATION... HOWEVER AMOUNG OTHER MISSING INFORMATIONTHE CREDITER BANK ( XXXX XXXX XXXX ) DID PROVIDE ME XXXX DENIAL REASON FOR DENIAL LETTERS IN WHICH THE CREDITOR SPECIFICALLY STATES THE REASIN AS [ XXXX CREDIT REPORT SHOWS NO CREDIT HISTORY, AND XXXX NO FEDERAL XXXX SCORE ) XXXX ACTIONS IS CONTRARY AND IN KNOWING VIOLATION OF FCRA AND IS VIOLATION OF MY FEDERAL MILITARY CONSUMER FCRA RIGHTS UNDER FCRA SECTION 609 ( a )...

) ) ) COMPLAINT TWO ( ( ( - ( VIOLATION OF FCRA SECTION 609 ( a ) ) - ( 2 ) BY XXXX IN THE SAME RESPONSE LETTER, XXXX KNOWINGLY CONTRARY TO FCRA ASSERT THAT, XXXX CAN INSTEAD SEND AN UPDATED CREDIT REPORT TO THE BANK INSTEAD OF PROVIDING ME THE CONSUMER WITH AN UPDATED COPY OF MY XXXX CREDIT REPORT... ( IT'S NO LONGER XXXX - IT IS WIDELY KNOWN AND MY BANKS HAVE REPORTED THEY AND ALL UNITED STATES BANKS CREDITORS, AND OTHER U.S. FINANCIAL INSTITUTIONS HAVE TRANSITIONED TO TOTALLY DIGITAL AND USE DIRECT ONLINE ELECTRONIC PROTOCOLS AND THE CFPB ITSELF ALL USE ONLINE REAL-TIME DIRECT CREDIT PROTOCOLS AND ONLINE COMMUNICATIONS TO ACCESS AND VERIFY CONSUMER CREDIT INFORMATION )... 
XXXX RESPONSE LETTER KNOWINGLY IGNORES THE FCRA REQUIREMENTS AND KNOWINGLY IGNORES MY NUMEROUS STATUTORY REQUEST IN BOTH MY XXXX AND XX/XX/XXXX FEDERAL CFPB COMPLAINTS REQUESTING XXXX STOP REPORTING INACCURATE DATA AND TO PROVIDE ME WITH CORRECTED FULL COPY OF MY XXXX CREDIT REPORT. XXXX ACTIONS IS CONTRARY AND IN KNOWING VIOLATION OF FCRA AND IS VIOLATION OF MY FEDERAL MILITARY CONSUMER FCRA RIGHTS ( SEE FCRA SECTION 609 ( a )...

) ) ) COMPLAIN THREE ( ( ( - ( VIOLATION OF CFPB ACT AND FTC ACT ) - XXXX CONTINUES TO SHOW COMPLETE DISREGARD FOR CFPB STATUTORY AUTHORITY. IT BEEN OVER 30-DAYS SINCE FILING XXXX MY COMPLAINT BUT XXXX DID NOT EVEN NOTIFY COPY CFPB I.E. XXXX DID NOT FILE RESPONSE, DID NOT POST AN OFFICIAL COMPANY RESPONSE TO MY FILED FEDERAL STATUTORY CFPB COMPLAINT # : XXXX, REGARDING XXXX XX/XX/XXXX RESPONSE LETTER ON ON THE CFPB PORTAL, A SLAP IN THE FACE TO CFPB STATUTORY AUTHORITY AND DISREGARD TO FEDERAL MILITARY CONSUMER PROTECTION LAWS... 
MY UNITED STATES BANK, CREDITORS AND FINANCIAL PROVIDERS, CONTINUE TO DENY ME CREDIT AND NEEDED BANK AND FINANCIAL SERVICES SPECIFICALLY BECAUSE XXXX CONTINUES TO KNOWINGLY AND UNLAWFULLY INCORRECTLY-REPORT, ( XXXX ( XXXX ) FEDERAL XXXX SCORE, NO SOCIAL SECURITY NUMBER, NO CURRENT ADDRESS, NO CREDIT ACCOUNTS, NO CREDIT HISTORY IS CURRENTLY WRONGLY REPORTED ON MY XXXX CREDIT REPORT, IN VIOLATION OF MY MILITARY CONSUMER RIGHTS UNDER THE FCRA. 
... THE CFPB FURTHER TO THIS, THE CFPB HAS BEEN NEGLIGENT AND DIRECTLY ENABLED XXXX CONTINUED VIOLATIONS OF THE FCRA AND ENABLED XXXX CONTINUED VIOLATION OF MY FEDERAL FCRA CONSUMER RIGHTS. SINCE MY FIRST COMPLAINT IN XXXX CFPB HAS FAILED TO ENFORCE THE FEDERAL LAW STATUTES FCRA ON XXXX ENABLING CONTINUED VIOLATIONS OF THE FCRA. AND THE CFPB FAILURE TO ORDER XXXX TO COMPLY WITH FEDERAL FCRA STATUES CONTINUE TO CAUSED ME AND MY MILITARY FAMILY TO SUFFER SERIOUS FINANCIAL HARDSHIPS, DENIAL OF CREDIT, DENIAL TO OPEN BANK ACCOUNTS, AND DENIAL OF MULTIPLE OTHER FINANCIAL CREDIT SERVICES BECAUSE CREDITORS HAVE REPORTED THAT WHEN CREDITORS ACCESSED MY XXXX CREDIT FILE CREDITORS SEE NO CREDIT HISTORY ; ( I.E. NO SOCIAL SECURITY NUMBER NO CURRENT ADDRESS NO FEDERAL XXXX SCORE, NO CONSUMER ACCOUNT REPORTED, NO CREDIT INQUIRIES DATA... AND CREDITORS AUTOMATICALLY AS OF XX/XX/XXXX, CONTINUE TO ME DENY BANK AND FINANCIAL SERVICES SPECIFICALLY BECAUSE XXXX CONTINUES WRONGLY REPORT INACCURATE ( AND REPORT NO PERSONAL DATE NO XXXX SCORE NO CREDIT INQUIRIES NO CREDIT ACCOUNT PAYMENT HISTORY ) INFORMATION ON MY XXXX CREDIT FILE... IN VIOLATION OF FCRA.CREDIT FILE... 
XXXX ACTIONS CONSTITUTE MULTIPLE VIOLATION OF FEDERAL LAW, is contrary to power privilege, arbitrary and in itself unreasonable, VIOLATES THE CFPB ACT, VIOLATE SEC. 5 OF THE FTC ACT, ALL IN VIOLATION OF THE FCRA AND IS UNLAWFUL AS APPLIED TO ME AND MY XXXX CREDIT FILE... IN VIOLATION OF FCRA.

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