Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX XXXX XXXX of SSN # XXXX To Whom it May Concern, I previously disputed these accounts with XXXX, XXXX and XXXX. I let them know these accounts were not reporting accurately. According to the IRS when a account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a XXXX ( Cancellation of Debt ) from Navy Federal Credit Union in regards to the following charged off accounts listed below. XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX received a corresponding tax deduction for the uncollected amount associated with the charge-off and I had to file the balance Navy Federal Credit Union XXXX as income on my taxes. This account can no longer be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on Navy Federal Credit Union part. Delete these accounts from my credit report immediately for inaccuracy! 
These accounts are charged off TWICE which is another blatant inaccuracy! An account can't be charged off, reported as a collection and then charged off again. These are clear inaccuracies that XXXX, XXXX and XXXX allowed to remain on my credit report. The accounts are not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. XXXX told me the the accounts remain with all the inaccuracies. Please delete these accounts effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ), ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I'm asking that you delete this obvious inaccurate accounts from the file of the consumer. I'm asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in 15 days. 
All three credit bureaus have different dates and amounts for these charged off accounts. All three credit bureaus have different dates and amounts for these charged off accounts. 
I got a credit report and I know it is wrong. I was told I have a right to have a investigation done. In which you did not thoroughly investigate these. Navy Federal Credit Union said that XXXX, XXXX and XXXX never contacted them. Stop confirming through E-Oscar and the secondary bureaus. Credit reporting laws ensure the bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. Remove these accounts. If not litigation will be pursued. I have submitted my police report and FTC fraud report which shows these accounts were opened fraudently. I spoke with all of these credit card fraud departments and they said they have never been contacted by any credit bureau to verify these accounts. 

Please provide me with the following items : *Pay off disclosure *Interest rate disclosure *Balance History *Payment history *Credit Insurance Validate Account targeted 1.Navy Federal Account Number XXXX XXXX XXXX XXXX I respectfully ask for you guys to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
I also heard that under federal law, you have XXXX ( XXXX ) to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation.

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