Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Request and Notice of Violation of Fair Credit Reporting Act To Whom It May Concern, I am writing regarding my credit file with Navy Federal Credit Union, specifically related to the account number XXXX. I am formally requesting that you immediately cease any and all activities that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681i ( a ) ( 1 ), 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ), and 15 USC 1681i ( a ) ( 5 ) ( B ). I believe that my rights under these sections have been violated, and I request the following actions be taken immediately:1. 15 USC 1681i ( a ) ( 1 ) - Duty to Investigate Disputes Under 15 USC 1681i ( a ) ( 1 ), a credit reporting agency is required to conduct a reasonable investigation of any dispute raised by the consumer regarding inaccurate or incomplete information in their credit file. I dispute the accuracy of the information related to [ describe the specific issue or item being disputed, e.g., late payment, incorrect account balance, etc. ] on my credit report. I have already raised this dispute with you, but it appears no thorough investigation has been completed. You are required to re-investigate this matter and correct any inaccuracies or incomplete information, as required by law.2. 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) - Notice of Results of Reinvestigation Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ), once an investigation is completed, the consumer must be informed of the results of the reinvestigation, including any modifications made to the credit report. I have not received any notice regarding the outcome of your investigation. I request that you promptly provide me with the results of your investigation into this matter, including a copy of my updated credit report.3. 15 USC 1681i ( a ) ( 5 ) ( B ) - Failure to Correct or Delete Inaccurate Information Under 15 USC 1681i ( a ) ( 5 ) ( B ), if the information you have is found to be inaccurate, incomplete, or can not be verified, you are required to promptly delete or correct that information. If you are unable to verify the disputed information, it must be removed from my credit report. I demand that you promptly take action to remove or correct any inaccurate or unverifiable information related to my account. Failure to comply with these statutory obligations will result in further legal action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies available under the FCRA. Please provide written confirmation of your compliance with this request within 15 days of receipt of this letter. Additionally, I request that you provide documentation showing that the requested investigation has been carried out, and provide a copy of my updated credit report showing the removal or correction of the disputed information. Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

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