Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I received a letter from Navy Federal Credit Union About an account that they are claiming to Charge off stating a payment has been made towards the balance in the amount of {$500.00} which leaves a potential loss of {$78.00} they are reporting on my credit report for a while now. I called in to navy federal credit union to ask where this payment came from and was told from my saving account which the bank closed my bank Navy Federal credit union has been reporting negative results on my credit report and they reported they charge off this account and closed this account and told I was permanently banned from get an account back. After being denied for credit as I am the bank giving credit. They have violated very FCRA guidelines. Ive called in multiple times and have supplied and evidence of there claims. They have humiliated me time after time my Character my credit treated me unfair as the Consumer. FCRA 15 1681- We are the bank Credit report reports on our credit worthiness Character, general reputation, they should be defending our character but they are defaming it. The bureau being referenced is the consumer finance protection bureau and only them
. Anything else is impersonating.

15c 1682 ( 4 ) right to privacy. There is a need to make sure that this is being respected.

Reasonable procudures- accuracy and fairness They tend to twist the words of congress as these are congress words.

603 ( 2 ) ( a ) ( i ) transactions and experiences can not be reported ( use with late payments ) Ive attempted before and willful non compliance of the fair credit reporting act. The FCRA states ( cite the law ). Since you are collecting this information directly from ( creditor ) and this is an experience between me and this person, clearly this is a violation and should be removed immediately.

603 ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

IDENTITY THEFT 603 ( 3 ) ( Q ) 604 Credit reporter, data furnisher, agency 15 usc 1681 ( 2 ) - get things removed in as well if its not removed names are only items in identity theft. dentity theft is the illegal use of someone's personal information. It can involve stealing a person 's name, Social Security number, driver 's license, or bank account information identity theft is.

This information is not any transaction related to me as a consumer. XXXX XXXX shared my information with this person and I never gave permission for that and now all this information is on my credit report. 
I am worried and at this point I feel like I need a new social. punitive damage is when they deny you credit. 
Send to company reporting as well as the credit reporting agencies. 
I expect an updated copy of my credit report of this update and block. I want a copy of receipt of my letter notifying you of the block and letting them know of identity theft. 
When sending, use the labels on the envelope instead of your handwriting. 
They need your written consent for inquiries or any account reporting. Use that there is no inquiry for that account reporting and you never did that. 
Charge off accounts- file a 3949A form with the IRS . requesting 1099c that you did not receive.

any and all 1099 filed with you S.S to get I will FILE A LAWSUIT This is stressing me out and very detrimental to my health. You are affecting my quality of life. You are blocking me from getting stuff. The money I was denied, now you owe me- punitive damages 15 usc 1681 N for {$1000.00} per violation also XXXX removed this account navy federal asked XXXX to put it back!!!

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