Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
To Whom It May Concern, This letter is a formal notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and other applicable consumer protection laws. I am exercising my rights to dispute, demand verification, and request the permanent deletion of multiple inaccurate, unverifiable, outdated, and misleading items listed on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXX Status : Charged Off / {$22000.00} Written Off Issues : 1.Marked as Charged Off after repossession, which may constitute double jeopardy reporting under FCRA 1681s-2 ( a ) ( 1 ) ( B ). 
2.No accurate payment history verification or full accounting breakdown is provided. 
3.The Balance History repeatedly reports {$0.00} paid despite active delinquencya material inconsistency.

4.Account reporting continues with no payments yet shows active updates through XXXXviolating FCRA 1681i due to lack of completeness and accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed Issues : 1.Account was closed in XX/XX/XXXX, yet it reports derogatory late payments dating back to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
2.There is no current verifiable evidence proving these delinquencies were accurately reported or validated with my prior written consent. 
3.Reporting 120-day lateness on a closed account contradicts FCRA 1681s-2 ( b ) obligations. 

XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed Issues : 1.Contains multiple 30, 60, and 90-day late payment entries in XXXX without documentation. 
2.Account shows redeemed repossession and yet includes late derogatory marks post redemption, in potential violation of FCRA 1681e ( b ) and FDCPA 807 ( 8 ) ( false/misleading credit reporting ). 

XXXX XXXX XXXX XXXX Unsecured Loan Acct # : XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed. {$1000.00} written off. 

Issues : 1.Charged off and simultaneously marked closed with ongoing derogatory CO entries well after the closing date. 
2.Monthly payment fields and balance remain blank/incomplete, violating the Metro 2 compliance format required by the Consumer Data Industry Association ( CDIA ) and FCRA 1681i ( a ) ( 5 ). 

XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXX Status : Account Charged Off / {$4500.00} Written Off Issues : 1.Contains repeated CO entries from XX/XX/XXXX through XX/XX/XXXX with no actual payments or account activity to validate continuous delinquency updates. 
2.Reporting of the same delinquency across multiple months extends the life of negative information artificially, a practice known as re-agingstrictly prohibited under FCRA 605 ( c ) and FDCPA 807 ( 2 ) ( A ). 

I demand the following actions be taken immediately in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : 1.Full deletion of the above-referenced items due to lack of verifiable, complete, or accurate information.

2.Immediate cessation of any reporting of these accounts across all consumer reporting agencies.

3.Refrain from re-reporting any of the disputed accounts without fully verifying their accuracy and notifying me in writing pursuant to FCRA 611 ( a ) ( 5 ) ( B ).

4.Provide me with all documentation used to verify these accounts ( not screenshots or internal account notes, but original contracts and payment records ).

5.Should you fail to remove or verify these accounts within the 30-day statutory period, I reserve the right to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) , Federal Trade Commission ( FTC ) , and my state Attorney General, and to pursue civil action for damages under FCRA 616 and 617 . 

I hereby place all parties on notice that any continued reporting, collection activity, or further communication without verification will be considered willful noncompliance and continued defamation of character, opening you to potential legal liability.

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