Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX To : XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Date : XX/XX/2025 Subject : Final Dispute Notice Formal Demand for Immediate Removal of Inaccurate Accounts Under FCRA Legal Action Pending To Whom It May Concern, This is now my third and final formal dispute concerning inaccurate and harmful information being reported on my XXXX  credit file. At this point, your ongoing refusal to report accurate data is a direct violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ), and it has had a material impact on my ability to secure housing, obtain financing, and maintain my livelihood. 
Disputed Accounts : XXXX XXXX XXXX XXXX  Account # : XXXX Charged-Off / {$24000.00} XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Charged-Off / {$920.00} XXXX XXXX XXXX XXXX XXXX Account # : XXXX Paid & Closed / {$720.00} These accounts have either been : Deleted from XXXX  and XXXX  ( proving lack of verified accuracy ), Inaccurately verified by XXXX, or Are outright obsolete or fraudulent. 
Despite receiving notice through prior disputes, XXXX  continues to report these items. This violates 15 U.S. Code 1681s- 2 ( a ) ( 1 ) ( A ), which prohibits reporting information known to be inaccurate, especially once a consumer provides evidence of such. Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX  is required to conduct a reasonable reinvestigation within 30 days. Simply marking the account as disputed by consumer without verifying the actual validity or providing any documentation is not compliant. 
If the same data has been removed by the other major XXXX and XXXX  yet XXXX  continues to report it, that constitutes a blatant case of furnisher failure under 15 U.S. Code 1681s-2 ( b ). The continued reporting of unverified and unsupported accounts is causing irreparable harm to my ability to apply for mortgages, auto loans, and business credit. This is restricting my financial freedom and damaging my professional credibility. 
In addition, 15 U.S. Code 1681n and 1681o grant me the right to seek monetary damages for your willful and negligent violations, including attorneys fees and punitive damages. Furthermore, FCRA 1681c ( a ) ( 4 ) specifically states that accounts that are paid, closed, or fraudulent must not be reported beyond seven years, and any derogatory information resolved must not continue to misrepresent my financial standing.

This Is Your Final Opportunity to Comply : You now have five ( 5 ) business days from the date of this letter to : 1. 2. Immediately remove the inaccurate accounts listed above, and Provide written confirmation that the deletions have been completed. 
If you fail to comply, I will proceed with the following actions without further warning : File a lawsuit in state and federal court for FCRA violations and defamation of character Notify the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office Publicly document your violations to protect others from similar harm Enough is enough. I am demanding full FCRA compliance, deletion of inaccurate accounts, and documented confirmation. If this is not resolved by XX/XX/2025, your legal department will receive a formal notice of legal action. 
Sincerely, XXXX XXXX XXXX

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