Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am disputing the accuracy, completeness, and legal enforceability of information Navy Federal Credit Union ( NFCU ) is furnishing and/or using to attempt collection regarding the above-referenced account identifier. I do not admit this alleged debt is mine, and I do not admit any obligation is valid. NFCUs reporting and/or collection posture contains material inconsistencies and raises a direct challenge to standing/authority to collect and/or furnish adverse credit information. I am requesting a reasonable investigation, competent documentation, and the exact XXXX XXXX field-level data NFCU transmitted to consumer reporting agencies, along with chain of title and any applicable forward flow agreement proof sufficient to establish whether this specific account was transferred. 

What happened On or about XX/XX/year>, I sent NFCU a written direct dispute demanding documentary verification establishing : a valid obligation and accurate accounting ( if any ), and NFCUs present standing/authority to collect and/or furnish regarding this account identifier. 

I demanded communications in writing only and instructed NFCU not to contact me by telephone. This dispute is limited to current furnishing only and does not authorize NFCU to add new furnishing to any additional consumer reporting agency. 

Disputed issues and data elements I dispute that NFCU has proven the following information is accurate, complete, or legally enforceable : Standing / authority / ownership ( core dispute ) I dispute that NFCU has demonstrated it is the lawful current owner/creditor with standing to collect and/or furnish for this account. If NFCU is acting as a servicer/agent or relies on any third party relationship, NFCU must identify the current owner and provide the instrument granting NFCU authority for this specific account.

Alleged balance inconsistency / accounting conflict NFCUs creditor/project information reflects an alleged balance of {$6400.00}, while other reporting and/or collection communications reflect a different alleged balance and/or past-due amount. This is a material inconsistency requiring a complete ledger and itemization showing how any amount was calculated and what exact amounts were furnished.

Account identifier / tradeline matching conflicts The account is referenced using masked formats and/or internal identifiers. NFCU must identify the exact account being furnished/collected and produce documentation tying the furnished tradeline identifier ( s ) to the referenced account identifier and to me, to prevent mixed-file or misattribution errors.

Status and date field integrity ( including DOFD and charge-off logic ) I dispute any conflicting or unsupported status/date fields ( including closed status, charge-off status, date updated, date closed, delinquency-related fields, and Date of First Delinquency ( DOFD ) used for reporting ). NFCU must provide the source records supporting each disputed field and the logic used to populate it.

Furnisher metadata inconsistencies I dispute inconsistent furnisher name formatting, addresses, telephone numbers, or other identifying metadata being furnished, as these errors contribute to inaccurate and incomplete reporting.

Dispute coding/remarks If NFCU continues furnishing while the account information is disputed, dispute handling and dispute notation must be accurate and consistent where required. I dispute any furnishing that omits required dispute indicators or furnishes unverifiable data as accurate. 

XXXX XXXX compliance context ( why this matters ) Furnishers transmit credit reporting data using standardized field formats commonly referred to as XXXX XXXX. XXXX XXXX consistency is critical because it governs how core fieldsAccount Status, Current Balance, Amount Past Due, DOFD, Date Updated, remarks/dispute indicators, and identifying fieldsare reported and matched. The balance conflict, identifier inconsistencies, and status/date discrepancies indicate NFCUs furnishing is not reliably consistent at the field level. I therefore request the exact field-level furnishing data NFCU transmitted to each CRA so the accuracy, completeness, and dispute handling can be verified.

Laws and duties implicated Regulation V Direct Disputes : 12 C.F.R. 1022.43 ( requires a reasonable investigation of a direct dispute ).

FCRA Furnisher duties : 15 U.S.C. 1681s-2 ( requires accurate and complete furnishing ; includes dispute handling duties, dispute notation where applicable under 1681s-2 ( a ) ( 3 ), and investigation duties after CRA notice under 1681s-2 ( b ) ).

FDCPA ( only if a third-party debt collector is involved ) : 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1692e ( 8 ) ( if applicable ).

Documents I am requesting ( investigation outputs legible copies only, no summaries ) A. Accounting / alleged obligation Original contract/application and governing terms/disclosures ( including change-in-terms notices ).

Complete account history/ledger from opening through present ( charges, payments, credits, interest, fees ).

Full itemization supporting any alleged balance and any amount furnished ( including current balance, past due, charge-off amount, fees, interest ).

B. Standing/ ownership/ transfers 4 ) Legal name and address of the current owner/creditor of any alleged receivable.

5 ) Chain of title showing every transfer, sale, assignment, or placement involving this specific account, including effective dates, parties, and an account-level schedule/identifier tying this specific account to each transfer.

6 ) If NFCU claims it is a servicer/agent : the servicing/authorization instrument establishing authority to collect and/or furnish for this specific account ( scope + effective dates ).

7 ) The applicable forward flow agreement ( and amendments, schedules, exhibits, purchase/transfer attachments ) governing any ongoing sale/assignment pipeline that could include this accounttogether with account-level identification sufficient to confirm whether this specific account was included, when, and to whom. 

C. CRA furnishing proof ( XXXX XXXX / field-level ) 8 ) Bureau-by-bureau furnishing snapshot limited to CRA ( s ) NFCU currently furnishes for this account ( if any ), including : status code, current balance, amount past due, date opened, date updated, date closed, charge-off date, DOFD, remarks, dispute indicator, and furnisher name/ID used. 
9 ) The XXXX XXXX field-level data transmitted to each CRA for this tradeline ( current furnishing only ). 
10 ) The method of verification used for each disputed field ( records reviewed + department/person responsible ).

11 ) Written confirmation that any furnishing while disputed includes proper dispute handling consistent with 15 U.S.C. 1681s-2.

Harm NFCUs inconsistent and unverifiable furnishing and/or collection posture is causing ongoing credit-report harm and interferes with my ability to correct my consumer files. Adverse information that can not be verified with competent records is materially misleading and harmful.

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