Consumer complaint received 2024-10-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I am writing to file a formal complaint against Navy Federal Credit Union, as well as XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX for various violations of my consumer rights under 15 USC 6802 and the Fair Credit Reporting Act ( FCRA ). These entities have reported inaccurate and unauthorized information on my credit report, and I request immediate corrections and removals.

# # # 1. Violation of 15 USC 6802 by Navy Federal Credit Union Navy Federal Credit Union has reported a **charge-off** for the account ending in XXXX, which violates my rights under 15 USC 6802. According to this law, no financial institution or company may report late payments, collections, or charge-offs on a consumers personal report without explicit consent from the consumer. **I did not provide permission for Navy Federal to report this charge-off**, making this reporting illegal. Charge-offs are typically treated as forgiven debt, and the financial institution must either provide IRS Form 1099-C or cease reporting this information if no consent was given. **Failure to remove this charge-off** constitutes a violation of my rights under both **15 USC 6802** and **15 USC 1681 ( FCRA ) **. 

- **Navy Federal Credit Union** has reported this information to multiple bureaus : - **XXXX** : Charge-off status as of XX/XX/2024 - **XXXX** : Charge-off status as of XX/XX/2024 - **XXXX** : Charge-off status as of XX/XX/2024 These reports must be corrected immediately. Additionally, the account has been verified through automated systems, which is insufficient, as it must be manually investigated to ensure compliance with my rights. Navy Federal Credit Union must update and remove this derogatory information. 

# # # 2. Discrepancy in Credit Scores Between Bureaus The credit score provided by **XXXX** ( XXXX ) significantly differs from those provided by **XXXX** ( XXXX ) and **XXXX** ( XXXX ). This discrepancy suggests potential inaccuracies in how XXXX is handling the reported information. **XXXX** and **XXXX** seem to reflect a more accurate picture of my financial status, and XXXX should adjust its reporting to align with the other bureaus. 

# # # XXXX. Unlawful Collection and Sale of Data by XXXX, XXXX, and XXXX XXXX, XXXX, and XXXX have been collecting and selling my personal data without my permission, in direct violation of CFPB regulations and my rights as a consumer. They have unlawfully distributed my personal and financial information to third parties without consent, which is a breach of my privacy and trust. This practice must cease immediately, and I demand the removal of any unauthorized data from their systems. 

# # # XXXX. Misuse of Variables in Reporting by Navy Federal Credit Union **Navy Federal Credit Union** has reported the account using an **incomplete and inaccurate account number**, specifically **using variables such as the letter " XXXX  '' ** ( e.g., XXXX ). This incomplete account number makes it impossible for me to properly verify or dispute the account, which is a violation of the FCRA 's requirement for accurate and complete reporting. This invalid reporting must be corrected immediately to include accurate account numbers or be removed from my credit report entirely. 

# # # XXXX. Fraudulent Information Linked to Inquiries All addresses listed on my report are accurate **except for the address reported by Navy Federal Credit Union** , which is linked to identity theft. This address should be immediately removed from my credit report. Furthermore, **any phone numbers, names, and addresses linked to inquiries** on my report are fraudulent and need to be removed as well. These elements are connected to identity theft and unauthorized activity. 

# # # XXXX. Failure to Provide 1099-C Documentation Navy Federal Credit Union has not provided me with a **1099-C form** for the canceled or charged-off debt they claim I owe. This failure to provide proper documentation invalidates their claim and requires the immediate removal of the reported charge-off from all credit reports. 

# # # XXXX. Violation of Consumer Rights and Failure to Investigate All reporting agencies, including **XXXX**, **XXXX**, and **XXXX**, have failed to properly investigate the disputed information. This is a violation of the FCRA, which requires a reasonable investigation of disputed items. The verification of the derogatory account must be done through a **manual review**, not through an automated response system. 

# # # Immediate Action Required I demand the immediate removal and correction of the following : - Removal of the **Navy Federal Credit Union** charge-off from all credit reports. 
- Correction of the credit score discrepancy by **XXXX** to reflect accurate information aligned with **XXXX** and **XXXX**. 
- Immediate cessation of unauthorized data collection and sale by **XXXX** XXXX **XXXX**, and **XXXX**, and the removal of all unauthorized data. 
- Removal of the fraudulent address and any fraudulent phone numbers, names, and addresses linked to inquiries on my report. 
- Correction of account numbers and removal of accounts using invalid identifiers such as " XXXX  ''. 

I expect the immediate correction and removal of all inaccurate and unauthorized information within XXXX days** of receiving this letter. Failure to address this matter will result in further legal action. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation