Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
b'Dear Compliance Officers and Legal Counsel:\nThis serves as a final and combined legal notice of your continuing violations of the\nFair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq., the Consumer Financial\nProtection Act (CFPA), and applicable California Consumer Credit Reporting\nAgencies Act (CCRAA) provisions. I have repeatedly provided verified\ndocumentation of my status as a XXXX  survivor and identity-theft victim.\nEach bureau and furnisher received my FCRA 605C packet on multiple occasions\n(XXXX) including law-enforcement documentation, FTC reports, and notarized\nidentity verification.\nYet as of the most recent XXXX XXXX and XXXX  reports (XXXX XXXX XXXX XXXX XXXX), you continue to publish or furnish inaccurate and prohibited\ninformation.\n1. Violations and Accounts at Issue\nThe following trade lines and data entries must be immediately blocked and\npermanently deleted:\nCreditor /\nFurnisher\nAccount Amount Status / Violation\XXXX XXXX XXXX XXXX  Charged-off; survivor-\nrelated; duplicate reinsertionXXXX XXXX XXXX XXXX  Auto loan; co-erced;\nreporting joint liability with\nabuser; no investigation\nunder  611(a)(1)XXXX XXXX XXXX  Paid; continued written off\nstatus after proof of paymentXXXX XXXX XXXX XXXX XXXX XXXX Improper charge-off;\ndisputed; reinvestigation\nignored\XXXX XXXX XXXX XXXX XXXX XXXX Paid collection still reporting\nderogatory\nNavy Federal\nCredit Union XXXX XXXX XXXX  collection XXXX XXXX Same debt reported twice; \n605C XXXX-related;\ncontinued furnishing after\nnotice\n2. Governing Law and Remedies\nUnder FCRA 605C (15 U.S.C. 1681c-3), CRAs must block trafficking-related\ninformation within 4 business days of receiving a survivor determination.\nUnder 605B, identity-theft data must be suppressed upon receipt of a police or FTC\nreport. Under 611(a) and Regulation V 1022.43, CRAs and furnishers are required\nto conduct a reasonable reinvestigation and delete unverifiable data. Under\n1681s-2(b), furnishers must cease reporting disputed data after notice. Under 616\n617, consumers may recover statutory, actual, and punitive damages for willful or\nnegligent non-compliance.\nUnder CFPA 1036(a)(1)(B), it is unlawful to engage in unfair or deceptive acts or\npractices in connection with consumer reporting. California Civil Code\n1785.25(g)** bars reinsertion of previously deleted information.\n3. Notice of Continued Harm\nEach unlawful entry has directly caused loss of housing, employment, and credit\naccess. The attached XXXX  results (Report # XXXX XXXX XXXX XXXXconfirm that despite prior deletions of numerous items, the remaining furnishers\ncontinue to reinsert or ignore survivor documentation. You have been on notice for\nover two years, satisfying all statutory prerequisites for enforcement under 1681p\n(two-year limitations period from discovery).\n4. Formal Demands\nYou are hereby demanded to:\n1. Block, delete, and suppress all listed accounts within four (4) calendar days ofXXXX XXXX XXXX XXXX XXXX XXXX XXXXn2. Provide written confirmation of deletion to me and to all recipients of my\nreport within the previous six months (as required by 611(d)).\n3. 4. 5. Cease reinsertion or re-reporting of any blocked data without full re-\ncertification under 605C(c)(2).\nInstruct all furnishers under your reporting relationships to correct or delete\nmatching records immediately.\nTransmit corrected data to any reseller databases XXXX XXXX XXXX XXXXFailure to meet this statutory timeline will constitute willful non-compliance and\ntrigger immediate escalation to the CFPB, FTC, California Attorney General, and\nU.S. Department of Justice Civil Rights Division, as well as civil action seeking\nstatutory and punitive damages.\n5. Supporting Documentation\nPreviously Provided/ on file:\n Certified FCRA 605B & 605C Submissions (XXXX)\n Law Enforcement Report & FTC Identity Theft Report\n XXXX  Dispute Results (Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports (XXXX XXXX XXXXn Prior Certified-Mail Receipts and CFPB Complaint References\n6. Delivery & Response Deadline\nThis notice is delivered by Certified Mail / Return Receipt Requested to all entities\nlisted above.\nYou have four (4) calendar daysuntil XXXX XXXX XXXX to complete all\ndeletions and provide written confirmation.\nFailure to comply will result in formal enforcement filings and civil litigation under\nthe statutory sections cited above.'

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