Consumer complaint received 2025-01-12 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: NC

Complaint narrative:
In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 
This is for all XXXX credit bureaus XXXX, XXXX, and XXXX Here are the accounts that I need removed that are in direct violation of the law : XXXX XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX XXXX - XXXX XXXX Debt Buyer XX/XX/XXXX Collection account. {$440.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$440.00} XX/XX/XXXXXXXX XXXX XXXX {$440.00} {$440.00} ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX payment history XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX - Collection XX/XX/XXXX Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX {$2100.00} {$2000.00} XXXX Month Individual Comments : Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX - Collection XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$1800.00} {$1800.00} Individual Comments : Contact Info : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility XXXX Individual Date opened XX/XX/XXXX Status XXXX. 
XXXX account. {$1.00}, XXXX past due as of XXXX Status updated XX/XX/XXXX Balance XXXX {$1400.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment ( Its listed as if I owe XXXX but they passed it off to a collection agency without my permission plus I never had a XXXX account ever ). 

XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Closed. {$420.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XX/XX/XXXX {$1000.00} {$1000.00} {$420.00} {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Paid, Closed. ( paid off due to reconciliation from bank I put in a dispute and it was in my favor for fraud my account was refunded, and the late fees shouldve beentook off ) XX/XX/XXXX.. 
XX/XX/XXXX {$500.00} {$540.00} Individual Comments : Account closed at credit grantor 's request Completed investigation of FCRA dispute - consumer disagrees XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Charge Card XX/XX/XXXX Closed Account charged off. {$25.00} written off. {$25.00} past due as of XX/XX/XXXX. 
XX/XX/XXXXXXXX XXXX XXXX {$25.00} XX/XX/XXXX XX/XX/XXXX {$750.00} {$25.00} {$60.00} Individual Comments : Contact Info : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Credit Limit Monthly Payment Highest Balance Terms Responsibility Your Statement : Secured Card XX/XX/XXXX Closed Paid, Closed/Never late. - ( paid and never late ) XX/XX/XXXX XXXX XXXX XXXX Month Individual Comments : Account closed at consumer 's request Contact Info : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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