Consumer complaint received 2025-05-25 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:
NOTICE OF INTENT TO SUE To : Navy Federal Credit Union, and all subsidiaries and affiliates, XXXX XXXX, XXXX XXXX Subject : Formal Demand for Resolution of FCRA and FDCPA Violations\ Date : XX/XX/XXXX This is to formally notify XXXX XXXX XXXX XXXX XXXX XXXX of multiple violations of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), in connection with the inaccurate, unlawful, failure of due diligence and unauthorized reporting of information from Navy Federal Credit Union XXXX hereinafter referred to as NFCU ). 

This is to formally notify Navy Federal Credit Union ( hereinafter referred to as NFCU ) of multiple violations of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), in connection with the inaccurate, unlawful, and unauthorized reporting of information to the credit bureausXXXX XXXX XXXX XXXX 

I. SUMMARY OF VIOLATIONS 1. Failure to Conduct a Proper Investigation NFCU failed to reasonably investigate disputes in accordance with 15 U.S.C. 1681i ( a ) after receiving notice of inaccuracies in my credit report.

2. Incorrect Reporting and DOFD Manipulation ( Re-Aging ) My account has been reported inaccurately. According to records provided by NFCU, the statement closing date was XX/XX/XXXX, with a {$0.00} past due balance, and a due date of XX/XX/XXXX. Contrary to these facts, NFCU reported the account as delinquent in XX/XX/XXXX, in direct violation of 15 U.S.C. 1681e ( b ) ( reasonable procedures for accuracy ) and 15 U.S.C. 1681s-2 ( b ) ( duties of furnishers ).

This constitutes re-aging, which is a clear violation of : * 15 U.S. Code 1681c ( a ) ( 4 ) ( Obsolete Information ) * 15 U.S. Code 1681e ( b ) ( Reasonable Procedures to Assure Accuracy ) 3. Discrepancies Between Credit Bureaus : Material discrepancies exist in how this same account is reported to XXXX XXXX XXXX XXXX which supports the claim of negligent or willful misconduct. 

4. Violation of FCRA & FDCPA Rights a. 15 U.S.C. 1692e False or Misleading Representations \nb. 15 U.S.C. 1692c ( c ) Ceasing Communication c. 15 U.S.C. 1681b No permissible purpose to access or share my consumer report without written authorization 5. Inaccurate Accounts Without Permissible Purpose. All accounts not associated with an active, open, and legally authorized account belonging to I must be removed immediately.

These violate : * 15 U.S.C. 1681b ( f ) Impermissible Use of Credit Reports * 15 U.S.C. 1681n and 1681o Civil Liability for Willful and Negligent Noncompliance II. DEMAND FOR RELIEF I hereby demand the following remedies : 1. Immediate and Permanent Removal of the subject account from all credit reporting agencies due to unlawful, inaccurate, and misleading reporting.

2. Deletion of All manipulated late payments not connected to an open, registered, and legally authorized account under my name.

3. Actual Damages in the amount of {$25000.00} under : * FCRA : 15 U.S.C. 1681o ( a ) ( 1 ) for negligent noncompliance * FDCPA : 15 U.S.C. 1692k ( a ) ( 1 ) for damages sustained 4. Statutory Damages of {$1000.00} per willful violation, as permitted by : * FCRA : 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) * FDCPA : 15 U.S.C. 1692k ( a ) ( 2 ) ( A ) 5. Punitive Damages under : * FCRA : 15 U.S.C. 1681n ( a ) ( 2 ) due to willful violations, misrepresentation, and intentional misconduct 6. Attorneys Fees and Costs as permitted under both Acts should this matter proceed to litigation.

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