Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX SENT VIA CERTIFIED MAIL Navy Federal Credit Union XXXX. XXXX XXXX XXXX, VA XXXX RE : FINAL NOTICE DEMAND FOR LEGAL JUSTIFICATION, METHOD OF VERIFICATION, AND IMMEDIATE DELETION ACCOUNT ENDING IN XXXX To Whom It May Concern, Im writing one final time regarding the Navy Federal account XXXX in XXXX, which you continue to report to Equifax and possibly other consumer reporting agencies. While this may just be another account in your system, its been a real burden for me. Ive filed formal complaints, Ive disputed the accuracy, and Ive given you multiple opportunities to resolve this legallyand fairly. 

Despite my BBB complaint submitted on XX/XX/XXXX, youve failed to provide any of the legally required documentation that justifies your reporting of this account. Youve continued furnishing the account with derogatory status updates, including a charge-off and a balance of {$11000.00}, even though you have not verified anything.

Worse, the payment history submitted to Equifax includes a 120-day delinquency followed by an OK status, which is mathematically impossible.
That alone violates Metro 2 standards and the STAC agreement between furnishers and CRAsand under 15 U.S.C. 1681e ( b ), materially misleading data is a violation of federal law.

As a matter of federal compliance, I am demanding that you provide the following within 5 business days : 1. Legal justification for furnishing this account after formal dispute 2. The method of verification used to confirm the accuracy of the data 3. The name, address, and phone number of the party that verified the account 4. The full name and address of the original creditor 5. The date the account was opened 6. The date of first delinquency 7. The date of charge-off 8. The date and amount of last payment 9. The name of any debt buyer, collector, or servicer if the account changed hands 10. Confirmation of whether a 1099-C was issued to the IRS 11 . A full payment history with consistent, Metro 2-compliant formatting 12. A signed original ( wet-ink ) contract allegedly executed by me Legal Basis for This Demand : 15 U.S.C. 1681s-2 ( b ) : You are required to verify disputed information or cease reporting it.

15 U.S.C. 1681i ( a ) : All unverifiable information must be deleted upon request.

15 U.S.C. 1681e ( b ) : You must maintain accuracy using the most complete and current information available.

The law is not on your side if you continue to ignore this. 



Verified Legal Precedent : XXXX v. TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : A credit bureau or furnisher must go beyond the original source and conduct a real investigation. 
XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Furnishers must conduct a reasonable investigation when notified of a dispute. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : XXXX to report without verifying facts is a willful violation of the FCRA. 
XXXX v. XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Failure to verify after dispute triggers liability. 
XXXX v. TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Reporting false or incomplete derogatory data, like a charge-off without full context, is a material FCRA violation XXXX

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