Consumer complaint received 2024-01-19 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: NY

Complaint narrative:
NAVY FEDERAL CREDIT UNION CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT VIOLATIONS/AUTHORITY : The Privacy Act of 1974, 15 USC 1681 Fair Credit Reporting ACT ; 15 USC 1681a ( 2 ) ( A ) ( i ) ; 15 USC 1681b ( 2 ) ; PL 90 ( 82 Stat 146 ) 15 USC 1681c ; 12 CFR 1022.3 ; 15 USC 1681e ; 15 USC 1681n ; 15 USC 1681o ; 15 USC 1681s-2 ; 12 CFR 1016.1 ; 12 CFR 1016.4 ; 12 CFR 1016.7 ; 15 USC 6802 ; 15 USC 6805 ; This is a complaint about NAVY FEDERAL CREDIT UNION ( NFCU ) violating my privacy rights by reporting my private transactions, to include, derogatory items, to the Credit Reporting Agencies : XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) and XXXX ( XXXX ) XXXX 
Please see to Attachments A, B, and C as the violations to my privacy and derogatory reporting are referenced in this complaint are marked in the side-by-side Consumer Report and are color coded with highlighter orange and yellow. 
A. Items marked in ORANGE color in the three attachments ( A, B, C ) pertain to my established relationship with NFCU and its violations to my right to privacy by reporting private transaction history to third parties without my explicit and express agreement or authorization. NFCU violations of the Fair Credit Reporting Act, Federal Law, and The Privacy Act of 1974 and all laws stated below.

a. The Privacy Act of 1974which states ( b ) Conditions of disclosure that no agency shall disclose any record which is contained in a system of consumer transactions without written request or with prior written consent of the consumer XXXX NFCU provided nonpublic information to third parties such as XXXX, XXXX, and XXXX without giving proper notice complying with section 6803 of this. Furthermore, NFCU disclosed my nonpublic information to third parties without clearly and conspicuously disclosing in writing to me so I can have an opportunity to opt out as prescribed in 15 U.S. Code 6802 ( a ) ( b ) and 15 U.S. Code 6803 ( a ), ( b ), ( c ) ; NFCU did not provide notice to me about its privacy policies and practices regarding nonpublic information to third parties as prescribed in 12 CFR 1016.1, 12 CFR 1016.4 ; 12 CFR 1016.7 c. NFCU has violated all privacy laws that pertain to prohibitions of reporting nonpublic information such as transaction history between me and NFCU to third parties as stated in 15 USC 1681a ( 2 ) ( A ) ( i ) which states that consumer report explicitly excludes report containing information solely as to transactions or experiences between the consumer and the person making the report ) d. Chargeoffs reported to third parties. Chargeoffs are written off by creditor and a 1099C given to consumer when an account has been charged off to profit loss statement. That amount written off then becomes income to the consumer and must be reported as such to the IRS. Income can not be reported to a Consumer Report.

B. Following is a list of NFCU Violations of the laws stated above as shown in Attachements A, B, and C will show violations specifically reporting of private transaction history to third parties as derogatory information prohibited under 15 USC 1681a ( 2 ) ( A ) ( i ) and must be corrected Please see Attachments for Violations as shown in the side-by-side Consumer report by XXXX, XXXX, XXXX. Violations of this Law ( s ) specified above is in ORANGE ATTACHEMENT A NFCU -- - AUTO LOAN Account Status : XXXX  : Derogatory XXXX  : Derogatory XXXX  : Derogatory High Credit Limit : XXXX  : {$16000.00} XXXX  : {$16000.00} XXXX : {$4000.00} Past Due : TU : {$4000.00} XXXX  : {$4000.00} XXXX : {$4000.00} Payment Status : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comments XXXX XXXX XXXX Derogatory XXXX : Derogatory XXXX  : Derogatory Two-year History : XXXX  : NONE XXXX  : XXXX Cos XXXX  : XXXX Derogatory ATTACHEMENT B NFCU -- -- UNSECURED LOAN Account Status : XXXX  : Derogatory XXXX  : Derogatory XXXX  : Derogatory High Credit Limit : XXXX  : {$21000.00} XXXX  : {$21000.00} XXXX : {$5500.00} Past Due : XXXX  : {$5500.00} XXXX  : {$5500.00} XXXX : {$5500.00} Payment Status : XXXX : XXXX XXXX : XXXX XXXX : XXXX Comments XXXX XXXX XXXX Derogatory XXXX  XXXX Derogatory XXXX XXXX Derogatory Two-year XXXX XXXX XXXX  : NONE XXXX  : XXXX Cos XXXX  : XXXX Derogatory ATTACHEMENT C NFCU -- -- REVOLVING Account Status : XXXX  : Derogatory XXXX  : Derogatory XXXX  : Derogatory High Credit Limit : XXXX  : {$16000.00} XXXX  : {$0.00} XXXX : {$16000.00} Past Due : XXXX  : {$16000.00} XXXX  : {$16000.00} XXXX : {$4000.00} Payment Status : XXXX : XXXX XXXX : XXXX XXXX : XXXX Comments : XXXX : Derogatory XXXX  : Derogatory XXXX  XXXX Derogatory Two-year History : XXXX XXXX NONE XXXX : XXXX XXXX XXXX : XXXX Derogatory XXXX NFCU is furnishing information with actual knowledge of errors as prohibited under has 15 USC 1681s-2. Below Attachments A, B, and XXXX show errors of inaccuracy and incompleteness that NFCU is reporting to Consumer Reporting Agencies and must be corrected. All entries must be equal across all CRAs ATTACHMENT A NFCU -- -- AUTO LOAN XXXX # : XXXX  : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate Acc Detail : XXXX  : None XXXX  : None XXXX  : Incomplete Bureau Code : XXXX  : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate Montly Payment XXXX  : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate Date Opened : XXXX : XXXX XXXX : Inaccurate XXXX  : Inaccurate Credit Limit : XXXX   : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate Last Reported : XXXX : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate Date last Active : XXXX  : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate Date last Payment XXXX  : Inaccurate XXXX  : Incomplete XXXX  : Inaccurate ATTACHMENT B -NFCU -- - UNSECURED LOAN XXXX # : XXXX  : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate XXXX Detail : XXXX  : None XXXX  : None XXXX  : Incomplete Bureau Code : XXXX  : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate Montly Payment XXXX  : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate Date Opened : XXXX : Inaacurate XXXX : Inaccurate XXXX  : Inaccurate Credit Limit : XXXX : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate Last Reported : XXXX : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate Date last Active : XXXX  : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate Date last Payment XXXX  : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate ATTACHMENT C -- NFCU REVOLVING XXXX # : XXXX  : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate XXXX Detail : XXXX  : None XXXX  : None XXXX  : Incomplete Bureau Code : XXXX  : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate Montly Payment XXXX  : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate Date Opened : XXXX : XXXX XXXX : Inaccurate XXXX  : Inaccurate Balance : XXXX : Inaacurate XXXX : Inaccurate XXXX  : Inaccurate Credit Limit : XXXX  : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate Last Reported : XXXX : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate Date last Active : XXXX  : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate Date last Payment XXXX  : Inaccurate XXXX  : Inaccurate XXXX  : Inaccurate D. Furnishers and Credit Reporting Agencies : Update Personal Information. Only the Information below needs to show on Consumer Report from all Consumer Reporting Agencies. NO OTHER INFORMATION NEEDS TO APPEAR. 

Name : XXXX XXXX XXXX XXXX as : Nothing Former : Nothing ( all former names must be deleted ) Date of Birth : XXXX Current Address : XXXX XXXX XXXX ; XXXX, New York XXXX Previous Address : Nothing ( all previous addresses must be deleted ) Employer : XXXX XXXX Phone Number : XXXX ( all other numbers must be deleted )

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