Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
I, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, All Rights Reserved submit the following : NAVY FEDERAL CREDIT UNION XXXX  ( NFCU , XXXX  ) engaged in identity theft as misinformation and fraud in credit reporting. They failed to prove any DEBT is owed to them, then they willfully forwarded misinformation to credit reporting agencies, at least in particular to - XXXX XXXX - knowing lawfully ( as a forensic type full accounting audit shall expose ), absolutely NO DEBT is owed in the Misrepresented Instrument ( s ) under the guise of Credit Card " account '' AND the alleged fictious " loan. '' They are truly dishonest and show absconding behaviors. 

I am the lawful CREDITOR, NOT DEBTOR and NFCU XXXX XXXX  unlawfully escheated and subrogated for profit my equity ( e.g. in the bond ( s )/ asset ( s ) not limited to : the assigned CUSIP numbered birth certificate bond, the social security number, and not least in the established and usage in a TRUST ( s ) account, XXXX XXXX XXXX XXXX or derivation thereof ), under the artificial corporate name ( s ) XXXX, all without my lawful free CONSENT. These mentioned items of major contention were not and never were DISCLOSED. I DO NOT CONSENT to ANY type of identity theft and fraud upon my person, under any pretense of alleged legal right specifically under color of law, nor color of authority / jurisdiction. Moreover, NFCU , XXXX does not have ANY truly verifiable legal nor lawful contract between them and me ( i.e. the natural person, in propria persona, in full life me ) that is binding in a lawful XXXX XXXX court of law. The below irrefutable facts are presented, as NFCU, XXXX : FAILED to respond ( and actually in DEFAULT ) to my lawful Affidavit of FACT Writ of Quo Warranto ( Registered No : XXXX, Final Delivery XX/XX/XXXX, at XXXXXXXX XXXX ) after allowed twenty-one ( 21 ) days ; And, Seven ( 7 ) of the twenty ( 20 ) COMMANDS are as follows, which they failed to respond, proving NO DEBT is owed : XXXX. Produce a certified / true copy stating that you directly offered to XXXX AND my actual acknowledged surrender and an assignment of ANY, and ALL reversionary interest therein, to the account of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and subsidiaries for full acquittance and discharge and closure of the obligations/ credit of such person ( s ) in pursuant of and in reliance on Title 12 U.S. Code 95a ( 2 ). 

2. Produce a certified / true copy of authority or a verifiable commercial agreement/ contract ( front and backside ) made between a natural, in full life person ( s ) that are unincorporated and I that NAVY FEDERAL CREDIT UNION XXXX XXXX could traffic in my person ( s ) with third parties, such as ANY Consumer Credit Report agencies, or ANY persons ( as also the IRS XXXX XXXX Internal Revenue Tax and XXXX XXXX XXXX XXXX ). 

3. Produce a certified / true copy of a valid and verifiable contract or commercial agreement ( front and backside ) mutually made between any natural person and I, which obliged me to pay money, when in fact, there was never ANY lawful money ( e.g. Gold and Silver Coin ) at any point in time tied to or connected to in ANY way a commercial agreement, in purview of the below Congressional Law ( s ) : A. The Emergency Banking Act, XX/XX/XXXX1933, 48 Stat. 1, Public Law 89-719, AND, in accordance to ; B. Constitution for the United States of North America : Article I, section 10, clause 1 mandates No State Shall make any Thing but gold and silver Coin a Tender in Payment of Debts 4. Produce a certified / true copy of proof of Money ( Specie ) of the Bank representative / Loan officer / ANY person placing in the hand of me, the alleged borrower, a physical transaction of ANY Money ( specie ), including the actual serial number, account NAME and account NUMBER the Money ( specie ) were drawn from, and the lawfully identified recorded natural person ( by full name, business title, address and telephone number ) that authorized the transaction during the execution of the Mortgage ( e.g. literally a dead-pledge ) alleged contract agreement. 
5. Produce a certified / true copy of authorization under alleged contract ( s )/ agreements from any natural person and I to raise an asset ( s ), in addition to the alleged Liability.

6. Produce a certified / true copy of lawful recordation and authorization under alleged contract ( s )/ agreements from any natural person and I to open the ACCOUNT, before the Bank / alleged lending corporation / institution received the Promissory Note ( s ). 
7. Produce a certified / true copy of full disclosure for when I pay off the alleged Loan, who will receive / get the asset generated from my monetized NAME and signature ( s ) recorded on the Promissory Note ( s ) and ALL Allonges. 
Also, NFCU, XXXX failed to provide and disclose : Actual BOND details of the alleged Credit Card account and the alleged loan ( e.g. name of the bond, business address, contact telephone, and full name, title and email address of the agent ( s ) of the business ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation