Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
Subject : Formal Complaint : Investigation of Consumer Rights Violations by Navy Federal Credit Union ( XXXX XXXX XXXX ) To Whom It May Concern, I am submitting this formal complaint regarding alleged violations of my consumer rights under federal law by Navy Federal Credit Union ( NFCU ), related to the mishandling of my account ( XXXX XXXX XXXX ). I request that the Consumer Financial Protection Bureau investigate these violations immediately under the authority of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Below, I have outlined the specific violations I believe have occurred : Violations of Federal Law Violation of Right to Privacy under 15 U.S.C. 1681 ( Section 602 ) : The FCRA explicitly provides me with the right to privacy regarding the collection, dissemination, and use of my consumer information. I believe Navy Federal Credit Union has violated this principle by mishandling my account information without proper authorization. 
Violation of Written Instruction Requirement under 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) : According to the FCRA, a consumer reporting agency can not furnish a consumer report without my explicit written instructions. I did not authorize Navy Federal Credit Union to access or share my credit information, and any such action was undertaken in violation of federal law. 
Violation of Timely Payment Processing under 15 U.S.C. 1666b : Under the Truth in Lending Act, creditors may not treat a payment on a credit card account under an open-end consumer credit plan as late if the payment is received by XXXX XXXX on the due date at the specified location. I believe Navy Federal Credit Union improperly treated a timely payment as late, which has negatively impacted my account and potentially my credit report. 
Outcome Desired I am requesting the CFPB to : Investigate the aforementioned violations by Navy Federal Credit Union. 
Require Navy Federal Credit Union to provide a full explanation of their actions regarding the alleged violations. 
Ensure that any inaccurate or improperly handled information is corrected, and all adverse actions against my account are reversed. 
Additionally, I request that any adverse impact to my credit score caused by these violations be rectified immediately. 
Supporting Information Account Number : XXXX Date of Issue : XX/XX/year> Evidence : [ Attach any payment receipts, account statements, or correspondence with Navy Federal Credit Union , if available. ] Conclusion I trust that the CFPB will take this matter seriously and conduct a thorough investigation. These violations have caused undue stress, potential harm to my financial standing, and a breach of my consumer rights under federal law. I look forward to receiving an update regarding the resolution of this matter. 
Sincerely, XXXX XXXX

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