Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
Describe What Happened : I have recently reencountered an issue where my account with Navy Federal Credit Union was restricted based on a report from XXXX XXXX XXXX ( XXXX ). Navy Federal informed me that they were not responsible for the restrictions and that the decision was based solely on the report received from XXXX 

To address this issue, I contacted XXXX. I spoke with a representative who suggested that I reach out to the furnishers of the information ( XXXX XXXX and XXXX XXXX ) to verify if there were any records of an account balance owed or other derogatory information on file. 

On XX/XX/year>, I contacted XXXX XXXX, providing them with the identifying information, including the account number furnished to XXXX and my social security number. Despite multiple inquiries across different departments, XXXX XXXX could not locate any record associated with the provided information. 

I followed the same process with XXXX XXXX on XX/XX/year>, providing them with the necessary identifying information. Coincidently, XXXX XXXX also reported having no record associated with the identifying information provided. 

Both institutions directed me to follow the dispute process outlined in the XXXX report, based on attempts to validate and verify the furnished account information. Given that neither XXXX XXXX nor XXXXXXXX XXXX  could find any records corresponding to the furnished information, I am disputing the accuracy of this information as published by XXXX 

Key Events : Initial Restriction : Account restrictions imposed by Navy Federal Credit Union based on an XXXX  report. 

Contacting XXXX : Reached out to XXXX XXXX XXXX and was advised to contact the furnishers of the information ( XXXXXXXX XXXX  and XXXX XXXX  ). 

Inquiries at XXXXXXXX XXXX : Date : XX/XX/year> XXXX : Provided identifying information to locate the account. 

Result : XXXX XXXX could not find any records associated with the provided account number or social security number. 

Inquiries at XXXX XXXXXXXX : Date : XX/XX/year> Action : Provided identifying information to locate the account. 

Result : XXXXXXXX XXXX  could not find any records associated with the provided account number or social security number. 

Dispute Process : XXXX to follow the dispute process listed on the EWS report based on information from the furnishers. 

Actions Taken : Contacted XXXX : To understand the basis of the report and receive guidance on resolving the issue. 

Contacted XXXX XXXX  and XXXX XXXX : To verify if there were any records of an account balance owed or derogatory information on file. 

Initiated Dispute Process : Based on the lack of records found by XXXXXXXX XXXX and XXXX XXXX, I am disputing the validity of the information furnished to XXXX. 

Conclusion : Despite my efforts to verify the information with XXXX XXXX and XXXX XXXX, no records were found to support the information furnished to XXXX. I request that XXXX XXXX XXXX thoroughly investigate this matter and remove the inaccurate information from my consumer report to ensure compliance with consumer protection laws. 

Thank you for your prompt attention to this matter.

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