Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
The Following Financial Institutions have violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all XXXX transactions which include direct deposit amounts from my employer. This information was disclosed to a XXXX party company ( XXXX XXXX  ) who has in turn allowed other entities to also access their report without my consent.

Navy Federal who is my banking institution : disclosed/reported XXXX XXXX transactions since XXXX, my complete social security number, drivers license number, full bank account numbers for both of my accounts, and return transactions. 

XXXX XXXX  XXXX North Carolina ( I have NEVER had an account with this institution ) : disclosed/reported XXXX XXXX  transactions on XXXX XXXX report. 

XXXX XXXX XXXX ( I have NEVER had an account with this institution ) : disclosed/reported XXXX XXXX transactions on XXXX XXXX report. 

XXXX XXXX XXXX XXXX ( I have NEVER had an account with this institution ) : disclosed/reported XXXX XXXX transactions XXXX XXXX XXXX report. 

XXXX XXXX XXXX ( I have NEVER had an account with this institution ) : disclosed/reported XXXX ACH transactions on XXXX XXXX report. 

XXXX XXXX ( I have NEVER had an account with this institution ) : disclosed/reported XXXX transactions on XXXX XXXX report. 

XXXX XXXX : Has also violated my privacy rights. By their own admission in their report, they allowed the report to be accessed ( inquiries ) XXXX times in the last 36 months by other institutions who I have no financial obligations and certain did not and would not allow these institutions access to my entire financial history and personal identifying information. 

This is a violation of my privacy rights under The Privacy Act of XXXX which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681.

I am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : 408.675 My financial records can only be accessed without my consent by a Governmental agency when then Government Authority seeking has given notice in writing. 

XXXX Financial institutions may not disclose, exception : XXXX as outlined above. 
XXXX Customer authorization required. 
XXXX Transfer of records to additional agency allowed when XXXX notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry. 

I did not consent to sharing my financial history or personal identifying information with any XXXX parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX ) whom I trusted. I also have an account with another XXXX XXXX that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.

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