Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, 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:
I, the consumer XXXX XXXX, contacted Navy Federal Credit Union on XX/XX/XXXX to address my nonpublic personal information being shared with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reporting agencies and non-affiliates of Navy Federal Credit Union, without my prior written consent pursuant under Public Law 90-321, Title VI, 604 and The Fair Credit Reporting Act under 15 US Code 1681b. A personal loan, ( Acct # XXXX or XXXX ) that was opened XX/XX/XXXX and was XXXX is being shared without my permission to the previously named consumer reporting agencies. I contacted Navy Federal Credit Union after I received notification on the Navy Federal mobile banking application, that my charged off loan account has been CLOSED. Yet when I asked about the account, I was informed that Navy Federal was unsure as to why I received the notification and that I should contact XXXX, XXXX for further clarification. This account information is still being unfairly shared with multiple inaccuracies to the reporting agencies. I have NEVER given Navy Federal permission the share my nonpublic personal information. Nor have I ever given XXXX, XXXX or XXXX XXXX XXXX XXXX permission to collect and store my nonpublic personal information for this account. 

Navy Federal Credit Union has committed multiple violations of Aggravated Identity Theft pursuant Public Law 108-275 and The Privacy Act of 1974. As well as the Fair Credit Reporting Act under 15 US Code 1681, Public Law 90-321, Title VI, 602, by sharing my sensitive nonpublic personal information, i.e., Copyrighted Name and Social Security Number, without my express written consent, pursuant under Public Law 90-321, Title VI, 604. My personal information and copyright property has been shared and stored with XXXX XXXX, and XXXX XXXX XXXX XXXX by Navy Federal Credit Union. When I contacted NFCU about this matter the customer services supervisors refused to address and rectify the matter when I requested to Cease the sharing of my information. I informed them that this also violates their Terms of Agreement and Disclosures, which states it can be shared with the Bureaus, not Non-affiliated companies. To which they verbally insulted my intelligence and knowledge of my consumer rights. I reminded them that the call is being recorded for quality assurance and that their disclosure ( NFCU XXXX ) states that they can share my personal with affiliates such as Navy Federal Financial Group, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; or XXXX XXXX XXXX XXXX, XXXX. I did NOT authorize the sharing of my information with any non-affiliates. According to The Fair Credit Reporting Act 15 USC 1681 603, the term Bureau means the Bureau of Consumer Financial Protection, this is not to be misconstrued with the term Consumer Reporting Agency. I have attached the definitions from The Fair Credit Reporting Act. 

Id like to remind you that according to the Privacy Act of 1974, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains Additionally, according to Fair Credit Reporting Act, 15 USC 1681 ( a ) you must exercise fair and accurate credit reporting and respect for the consumers right to privacy. 15 USC 1681 ( b ) states that a consumer reporting agency may only furnish a consumer report in accordance with the WRITTEN INSTRUCTIONS OF THE CONSUMER, to whom it relates. Under 16 CFR 313 you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless you have provided to the consumer an initial notice, provided to the consumer an opt out notice, given the consumer a reasonable opportunity, before you disclose the information to the non-affiliated third party, to opt out of the disclosure ; and the consumer does not opt out. I have also filed a Identity Theft Report with the Federal Trade Commission for your violations.

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