Consumer complaint received 2024-10-08 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: NY

Complaint narrative:
Subject : Formal Dispute Regarding XXXX XXXX XXXX XXXX XXXX and FCRA Violations Dear Sir/Madam, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX XXXXXXXX XXXX Navy Federal Bank account XXXX XXXX, which has been included in my consumer report. 

On XX/XX/2024, I submitted a letter to XXXX XXXX XXXX, requesting validation of this account, as I am unaware of its existence and do not recognize the account. In response, I received a letter from XXXX XXXX XXXX stating that I had previously disputed this record under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and that the dispute had been forwarded to Navy Federal Credit Union for reinvestigation. According to your response, XXXX XXXX XXXX notified me of the results of this reinvestigation on XX/XX/2024. 

I would like to bring to your attention that I never received the results of this reinvestigation. As a consumer, I am entitled to receive the findings of the investigation under the Fair Credit Reporting Act ( FCRA ). Not receiving the investigation results constitutes a violation of my rights. Without receiving the proper documentation or explanation, I was deprived of the opportunity to dispute the findings. Therefore, it is unclear how XXXX XXXX XXXX determined the accuracy of the account without allowing me, as the consumer, to review and respond to the reinvestigation results. 

Furthermore, I sent a letter directly to Navy Federal Credit Union on XX/XX/2024, requesting validation of the debt. However, the bank has refused to provide any documentation or information in response to my request, which is another violation of my consumer rights under the FCRA. 

To clarify, if XXXX XXXX XXXX and Navy Federal Credit Union do not remove this account from my consumer report, or if a full and complete reinvestigation is not conducted in compliance with the FCRA, I will seek legal action. The law requires that you verify the accuracy of the information being reported, and as a consumer, I am entitled to all relevant documentation that supports your findings. 

Violations of the FCRA : Failure to Provide Investigation Results : Under the FCRA, a consumer must be provided with the results of an investigation, which I did not receive. XXXX XXXX XXXX  allowed negative information to be reported without providing this validation. 

Failure to Validate Debt : Navy Federal Credit Union failed to provide the requested debt validation, which is required under federal law. 

Inaccurate Reporting Without Proper Validation : Without proof or verification, this account should not be reported on my consumer file. 

Please consider this letter a formal dispute and request for reinvestigation. I demand that this account be removed from my consumer report immediately. Should this request be ignored or denied without valid justification, I will pursue all legal remedies available to me under the FCRA. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and respond with your findings within 30 days as required by law. 

Sincerely, XXXX XXXX

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