Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Credit Inquiries Reported as Fraud Dear CFPB Representative, I am writing to formally dispute a series of unauthorized credit inquiries that appear on my credit report, which I believe to be fraudulent. These inquiries were not authorized by me, and I have reason to believe they are the result of fraudulent activity. 
I also request that the companies above cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Enclosed is a copy of my Identity Theft Reports supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for List of Unauthorized Inquiries : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are impacting my credit score and creating unnecessary stress. I am requesting your assistance to ensure a full investigation is conducted into these fraudulent inquiries. Additionally, I am seeking the removal of these inquiries from my credit report as soon as possible. 
Supporting Documentation : FTC Fraud Report Number : XXXX Copy of Identification : ( Driver 's License ) Credit Reports Highlighting Disputed Inquiries : ( From XXXX, XXXX, or XXXX ) Copy of Notice to Furnishers ( FCRA ) I trust the CFPB will take this matter seriously and address these concerns promptly. If additional information or documentation is needed, please contact me directly at XXXX or via email at XXXX Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX, XXXX.

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