Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
To : XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX -- - RE : LEGAL DEMAND FOR DELETION OF UNVERIFIABLE AND FRAUDULENT ACCOUNTS FCRA XXXX, XXXX ( b ), XXXX, and Case Law XXXX Dear XXXX  XXXX Department XXXX I am writing to invoke my rights under the Fair Credit Reporting Act ( XXXX  ) to demand the immediate removal of multiple fraudulent and unverifiable accounts currently listed on my XX/XX/XXXXcredit report. These accounts are not mine, and you have failed to provide proper verification despite multiple disputes and complaints. 

Furthermore, I am submitting identity theft documentation in full compliance with FCRA XXXX ( a ), including an FTC Identity XXXX Report # _______, of which specifically identify the accounts below as fraudulent. 


-- - ACCOUNTS TO BE REMOVED IMMEDIATELY : XXXX. XXXX XXXX Acct # [ Full Account Number ] XXXX. XXXX XXXX Acct # [ Full Account Number ] XXXX. Navy Federal Credit Union Acct # XXXX XXXX. Navy Federal Credit Union Acct # XXXX -- - LEGAL GROUNDS FOR REMOVAL XXXX. Identity Theft Documentation ( FCRA XXXX ) Under FCRA XXXX ( a ) ( XXXX ), I am requesting that these accounts be permanently blocked and deleted from my credit file. Enclosed are : FTC Identity Theft Report # _____ Proof of identity and address These documents clearly establish that the above accounts were opened fraudulently and without my knowledge or authorization. 

XXXX. Verification Failures ( FCRA XXXX & XXXX ( b ) ) You are required by FCRA XXXX ( a ) to conduct a reasonable reinvestigation and delete information that can not be verified. You have failed to : Provide account opening documentation or applications with my signature Produce any transaction history or billing that proves liability Respond properly to disputes dated [ List dates of past disputes ] Moreover, your continued reporting of unverifiable data violates FCRA XXXX ( b ), which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they maintain. 

As ruled in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ), the continued reporting of disputed and unverified data violates XXXX ( b ) and entitles the consumer to pursue statutory and punitive damages. 

XXXX. Failure to Provide Verification from Furnishers ( XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) ) Under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), I am formally demanding : XXXX " A description of the procedure used to determine the accuracy and completeness of the information, including the business name, address, and telephone number of any furnisher contacted, and a copy of all documents used in the verification process. '' You must send all verification documents you claim to have received from XXXX Funding, XXXX XXXX, and Navy Federal Credit Union, including original signed applications, contracts, and any account transaction history. 


-- - PRIOR DISPUTE HISTORY & CFPB ESCALATION I have previously submitted disputes on : [ Insert Dates of Prior Disputes ] CFPB Complaint Reference # [ Insert if available ] You failed to respond with verification or remove these accounts within the XXXX statutory deadline, which constitutes willful noncompliance under FCRA XXXX ( XXXX ) and exposes you to legal liability. 


-- - DEMANDS FOR ACTION I hereby demand that TransUnion : XXXX. Immediately and permanently delete the above accounts from my credit report. 


XXXX. Block future reinsertion of the same data unless compliance with XXXX ( a ) ( XXXX ) ( B ) ( ii ) is met. 


XXXX. Provide written confirmation of deletion within 30 days. 


XXXX. Supply a full updated copy of my XXXX  report. 


XXXX. Disclose all verification records as required under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ).

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