Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] XX/XX/XXXX Subject : Dispute of Inaccurate Information Under FCRA Section 605B, 15 U.S.C. 1681i, 15 U.S.C. 1601, and 15 U.S.C. 1692 Dear Sir/Madam, I am writing to dispute certain items on my credit report that I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Fair Debt Collection Practices Act ( FDCPA ). The disputed information includes a charge-off entry, late payment reports, and outdated addresses that are incorrect or do not reflect the accurate status of my accounts and personal information. I am requesting that these items be investigated and corrected in accordance with the applicable laws. 

Incorrect Information : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$19000.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Credit Limit : {$18000.00} Highest Balance : {$19000.00} Terms : - On Record Until : XX/XX/XXXX I believe this information is inaccurate due to the following reasons : 1. Charge-Off and 15 U.S.C. 1601 ( Truth in Lending Act ) : Under 15 U.S.C. 1601, the Truth in Lending Act requires that creditors accurately report the status of charged-off accounts, including the original balance and any interest. If the charge-off reported on my credit file is incorrect or misrepresented, it must be corrected to comply with this law. The balance and past due amounts listed may not reflect the accurate status of the account, and I request that you verify and correct this information.

2. Late Payments and 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ) : Under 15 U.S.C. 1692, the Fair Debt Collection Practices Act mandates that any late payment reporting must accurately reflect the account status and be free from errors. If the late payments reported on this account are not accurate, or if there has been any error in the reporting of such payments, I ask that they be investigated and corrected in line with this statute.

3. FCRA Section 605B and 15 U.S.C. 1681i : Under FCRA Section 605B, information that is outdated or no longer relevant should be removed from my credit report. Similarly, 15 U.S.C. 1681i requires that any inaccurate or incomplete information, including outdated addresses, be corrected or removed within 30 days of receipt of my dispute. I request that you investigate the inaccuracies associated with this charge-off entry and any outdated addresses listed on my credit report, and update my credit file accordingly.

Additional Request to Remove Outdated Addresses : In addition to the above-mentioned account disputes, I also request the removal of the following old or outdated addresses from my credit report. Under 15 U.S.C. 1681i, you are required to correct or remove outdated or inaccurate personal information. Please ensure that any addresses that are no longer valid or applicable to my current situation are removed from my credit file. 
XXXX. XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX Requested Actions : XXXX. Please investigate the reported charge-off and late payment entries for the NAVY FEDERAL CR UNION account and verify their accuracy with the respective creditor or data furnisher. 2. If any information can not be verified or is fo
und to be inaccurate, it should be removed or corrected in my credit file.

3. Please remove all outdated or incorrect addresses from my credit report.

4. Kindly provide me with the results of your investigation and a copy of my updated credit report.

I trust that you will handle this matter promptly and in accordance with the legal requirements specified under the FCRA, TILA, and FDCPA.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute.

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