Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
THIRD NOTICE OF DISPUTE FINAL DEMAND FOR IMMEDIATE DELETION Unverified Account Source in Active Litigation From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Navy Federal Credit Union Credit Reporting / Dispute Resolution Department Re : Alleged Balance of {$2000.00} UNVERIFIED / DISPUTED Account Reference : XXXX XXXXXXXX ( see attachment ) THIRD DISPUTE NOTICE OF WILLFUL NON-COMPLIANCE This letter constitutes my THIRD FORMAL DISPUTE regarding the above-referenced account. Navy Federal has been placed on repeated notice that this tradeline is inaccurate, unverified, and unlawful, yet continues to report it. Your continued reporting now constitutes willful and knowing non-compliance. 

MATERIAL FACTS YOU ARE NOW ON NOTICE OF XXXX. The alleged {$2000.00} balance arises solely from a XXXX merchant chargeback, not from any consumer debt, loan, or extension of credit. 
XXXX. XXXX is currently a defendant in active litigation involving breach of contract, fraudulent and misleading statements, and related damages. 
Case Number : XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Type : Contracts XXXX. Navy Federals continued furnishing of information derived from a litigated, disputed, and allegedly fraudulent source constitutes reckless reliance and destroys any claim of good-faith reporting. 
XXXX. No valid agreement exists making me liable for merchant-processor disputes or inter-institutional reversals. 

FAILURE TO VERIFY ( REPEATED ) Despite three disputes, Navy Federal has failed to produce : A signed consumer authorization A promissory note or contract A lawful accounting showing consumer liability Any documentation rebutting the fact that this is a merchant-side dispute Accordingly, the account remains unverified as a matter of law. 

STATUTORY VIOLATIONS ( ONGOING & WILLFUL ) Your conduct violates, XXXX XXXX : 15 U.S.C. 1681s-2 ( b ) continued reporting after notice without reasonable investigation 15 U.S.C. 1681 ( b ) failure to assure maximum possible accuracy 15 U.S.C. 1666 failure to correct a billing error 15 U.S.C. 1681n willful non-compliance FDCPA 1692e ( 2 ) ( A ) false representation of a debt ( if collected or furnished ) Continuing to report information sourced from a party currently accused of fraud and breach ( XXXX XXXX XXXX XXXX XXXX XXXX  ) satisfies the standard for reckless disregard under the FCRA XXXX 

FINAL DEMAND NO FURTHER CURE PERIOD You are hereby directed to IMMEDIATELY : 1. DELETE this tradeline from all consumer reporting agencies 2. Cease furnishing any information related to this account 3. Provide written confirmation of deletion There is no remaining right to verify. That opportunity expired after the first and second disputes.

NOTICE OF INTENT TO SUE ( IMMINENT ) If this account is not deleted immediately, I will file suit against Navy Federal Credit Union without further notice, seeking : {$1000.00} per violation under 15 U.S.C. 1681n Actual damages, statutory damages, costs, and equitable relief Additional liability for reckless furnishing based on a litigated and fraudulent source ( Case XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX This letter serves as formal pre-litigation notice and will be entered as evidence of notice, opportunity to cure, and willful refusal. 

All rights reserved. No waiver. No consent. No acquiescence. 

Executed without prejudice XXXX XXXX XXXX XXXX, Estate By : Executor, Pro Per Authorized Signatory

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