Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Subject : Identity Theft, Unauthorized Loan Activity, and Failure to Investigate Pentagon Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX In XX/XX/XXXX, I received an unsolicited phone call at my place of employment from an individual identifying himself as an investigator with Pentagon Federal Credit Union ( PenFed ). He alleged I was delinquent on a loan. Having no history whatsoever of conducting business with PenFed, I believed this was a phishing attempt and dismissed it as such. 

In XX/XX/XXXX, while attempting to secure financing for a retirement home, I was unable to access credit due to multiple fraudulent accounts appearing on my credit reports. During my investigation, I discovered that a lien had been placed against my propertyone I had never authorized or been notified of. Upon further inquiry, I learned that my legally separated spouse had used my personal information and submitted forged documents to obtain lines of credit and loans without my knowledge or consent. 

On XX/XX/XXXX, I filed formal identity theft disputes with XXXX XXXX XXXX XXXX. These disputes were accompanied by notarized affidavits, including XXXX from XXXX XXXX, admitting under oath that she had opened these accounts without my authorization and without legal authority to act on my behalf. 

On XX/XX/XXXX, PenFed responded to my identity theft claim by asserting the loan was valid and provided a copy of a purported signature file. This signature is forged and inconsistent with certified examples of my actual signature On XX/XX/XXXX, I submitted a complete dispute package to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ), the foreclosure law firm representing PenFed. Pentagon Federal received the same package of documents. The package included notarized affidavits, certified deed copies, and documented proof that I never authorized the loan in question. 
On XX/XX/XXXX a letter from Pen Fed was received stating the line of credit was being frozen for risk non-payment, despite having sent dispute notices to both companies. Despite receipt of this documentation ( confirmed via UPS and signed for on XX/XX/XXXX ), no reply has been received as of XX/XX/XXXX. 

On XX/XX/XXXX, I submitted an additional formal demand for rescission of the default lien and removal of all associated fraudulent accounts and instruments. UPS Tracking # UPS XXXX Attention : Loss Mitigation Pentagon Federal Credit Union. UPS Tracking XXXX Attention XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXThis packet again included : I have confirmed delivery receipt of the packages to both companies. 

A sworn affidavit from XXXX XXXX admitting she acted without authority ; Copies of forged documents ; Certified signature comparisons ; Confirmation of delivery via UPS and USPS. 

I have made multiple formal notifications via certified and tracked mail to both PenFed and its legal representatives. As of the date of this letter, no substantive response or corrective action has been taken. 

This failure to investigate, acknowledge, or correct the fraudulent accountsdespite notarized confessions and supporting documentationconstitutes a willful violation of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I request that the Consumer Financial Protection Bureau and all appropriate regulatory agencies initiate a formal review of PenFeds practices. I further request that : All fraudulent liens and tradelines be removed ; Enforcement action be considered against PenFed for negligent and willful misconduct ; I be compensated for the credit denial, legal expense, reputational harm, and emotional distress caused by PenFeds inaction. 

Respectfully submitted,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief