Consumer complaint received 2024-02-20 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:
Dear Navy Federal Credit Union, This letter serves as a formal notice regarding the handling, accuracy, and unauthorized sharing of my personal, financial, and sensitive information by Navy Federal Credit Union without my explicit consent. It has been brought to my attention that Navy Federal Credit Union has disclosed inaccurate personal information, including but not limited to, details regarding overdrafts and monthly deposits, in addition to my non-public personal information and driver 's license number to XXXX XXXX XXXX XXXX XXXX. This disclosure was executed without my informed consent and failed to include an opt-out option, thus raising substantial privacy and accuracy concerns. 

Furthermore, the dissemination of inaccurate data jeopardizes my financial reputation and may have far-reaching implications. In accordance with 15 U.S. Code 6803, financial institutions are obligated to transparently disclose their policies on the sharing of nonpublic personal information at the commencement of the customer relationship and on an annual basis thereafter. This includes : Disclosures related to the sharing of nonpublic personal information with affiliates and non-affiliated third parties, in line with section 6802 of this title, detailing the categories of information that may be disclosed ; Information on policies concerning the disclosure of nonpublic personal information of individuals no longer considered customers ; and Strategies for safeguarding the nonpublic personal information of consumers. 
Regrettably, I have not been made aware of Navy Federal Credit Union 's compliance with these statutory requirements, particularly concerning the sharing of my details with XXXX XXXX XXXX XXXX XXXX. This oversight constitutes a potential violation of the Gramm-Leach-Bliley Act ( GLBA ), Fair Credit Reporting Act ( FCRA ), and Right to Financial Privacy Act ( RFPA ), considering the nature and scope of the inaccuracies shared. 

I hereby demand an immediate cessation of the sharing of my data with XXXX XXXX XXXX XXXX XXXX, or any other non-affiliated entities without my explicit consent. Moreover, I insist upon the deletion of all my personal, financial, and sensitive information, including any inaccurately reported data, from the records of XXXX XXXX XXXX XXXX XXXX. 

I also request a thorough clarification regarding the inaccuracies reported in relation to my account, especially the erroneous information about overdrafts and monthly deposits, and the rationale behind the sharing of my information. Furthermore, I seek a comprehensive review and rectification of any inaccuracies within my records, in addition to evidence of Navy Federal Credit Union 's adherence to 15 U.S. Code 6803, including any applicable privacy notices or policies.

Please address this formal notice promptly, within 15 business days from its receipt, outlining the corrective measures Navy Federal Credit Union will undertake to resolve these issues and ensure the protection of my privacy and financial standing.

Failure to satisfactorily address these concerns may lead me to pursue further legal action to safeguard my rights and interests. 

Thank you for your immediate attention to these matters. I await your prompt and detailed response. 

Sincerely, XXXX

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