Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate and inconsistent reporting of accounts on my consumer report. Additionally, as a XXXX XXXX XXXX XXXX, I am invoking my rights under federal law, including the XXXX XXXX  Protection Act ( TVPA ), 18 U.S.C. 1595, and associated case law, which provide for the nullification of debts incurred under coercion or duress.

The discrepancies in your reporting violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Privacy Protection Act, 15 U.S.C. 68016802. These laws require accurate reporting, protection of my nonpublic personal information, and relief from abusive collection practices. 

Accounts in Dispute and Discrepancies Navy FCU Balance : {$25000.00}. 
Discrepancies : High Credit : XXXX lists {$0.00}, while XXXX and XXXX report {$25000.00}. 
Date of Last Payment : XXXX lists XX/XX/XXXX, while XXXX and XXXX list XX/XX/XXXX. 
Date of Last Activity : XXXX reports XX/XX/XXXX, while XXXX lists Under 15 U.S.C. 1681e ( b ), furnishers are required to report information with maximum possible accuracy. The discrepancies across bureaus fail this standard.

15 U.S.C. 1681s-2 prohibits the continued reporting of inaccurate information once notified of a dispute. 
Protections for XXXX XXXX XXXX As a XXXX XXXX XXXX XXXX  I am protected under 18 U.S.C. 1595, which allows for the relief of debts incurred under coercion or exploitation.

Case law, including Doe v. Debt Collector, has established that trafficking survivors are not obligated to repay debts that result from coercion. Your reporting of these debts ignores these protections and exacerbates the harm I have endured. 
Violations of the FDCPA Your reporting and collection efforts violate 1692e of the FDCPA, which prohibits false or misleading representations about the character, amount, or status of a debt.

Violations of the Privacy Protection Act Your actions also fail to safeguard my personal information under 15 U.S.C. 68016802, as the reporting of unverifiable and inaccurate data constitutes an invasion of privacy. 
Demands Immediate Relief of Debt As a XXXX XXXX XXXX  I demand the nullification of the debts listed under the protections provided by 18 U.S.C. 1595.

Investigation and Correction Conduct a full reinvestigation of the accounts under 15 U.S.C. 1681i and provide substantiating documentation for the reported balances, high credit, and payment dates. 
Remove any unverifiable or inaccurate information from my consumer report. 
Cease Reporting of Disputed Accounts Stop reporting these accounts immediately, as required under 15 U.S.C. 1681s-2 ( b ), until they are validated.

Communication Restrictions I revoke consent for all forms of communication except written correspondence through mail or the CFPB portal, as allowed under 1692c ( c ) of the FDCPA.

Notice of Intent If these issues are not resolved within 30 days, I will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. Additionally, I will pursue legal remedies for violations of the FCRA, FDCPA, and Privacy Protection Act.

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