Consumer complaint received 2025-07-21 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:
To Whom It May Concern, This letter serves as a formal dispute, cease and desist notification, and demand for documentation related to the following account reported to the credit bureaus : Creditor : Navy Federal Credit Union Account Number : XXXX AMOUNT : {$2100.00} This account is being reported inaccurately, and it may have been charged off, cancelled, or otherwise no longer valid. As a consumer protected under federal law, I am asserting my legal rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Federal Law Violations & Consumer Rights 1. 15 U.S. Code 1681s2 ( FCRA ) Responsibility of Furnishers of Information You are legally required to report accurate and verifiable information. Reporting accounts that are inaccurate, outdated, or dischargedwithout full reinvestigationviolates your duty under this statute.

2. 15 U.S. Code 1692c ( FDCPA 805 ) Cease Communication You must cease all further communication regarding this alleged debt after receiving this written notice. Continued reporting or collection activity without legal justification violates the FDCPA.

Demand for IRS 1099-C Form ( Cancellation of Debt Income ) If this debt has been charged off, settled, or cancelled, it is considered cancellation of debt income and should have been reported to the IRS using Form 1099-C. Under IRS guidelines, I am legally entitled to a copy of that form for tax documentation purposes.

If this account has been cancelled in any form, you are required to issue and deliver IRS Form 1099-C to me immediately. Failure to provide this document while continuing to report the debt as collectible constitutes deceptive financial reporting and may involve federal tax law violations.

My Legal Demands 1. Immediate deletion of the Navy Federal Credit Union account from all credit bureaus ; 2. Cessation of all reporting, collection, or communication efforts regarding this account ( per 15 USC 1692c ) ; 3. Written confirmation of deletion from Experian ; 4. Delivery of IRS Form 1099-C within 14 days, or written proof that the account is still valid and legally collectible ; 5. Notification to all parties who accessed my report in the last 6 months of this deletion, per 15 USC 1681i ( d ).

14-Day Deadline You have 14 calendar days from the date of this letter to respond and comply. If this matter is not resolved within that timeframe, I will immediately escalate the issue and file formal complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office I will also explore all legal remedies available to me under FCRA and FDCPA, including seeking statutory damages for non-compliance and consumer harm. 



This is a formal legal notice. Govern yourselves accordingly.

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