Consumer complaint received 2025-08-04 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: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I am filing a formal complaint against Navy Federal Credit Union ( NFCU ) for knowingly and willfully reporting inaccurate, misleading, and unverifiable information regarding a closed and repossessed auto loan. Despite repeated disputes, NFCU has failed to correct errors, validate the alleged debt, or provide any of the federally required documentation. This has caused ongoing and compounding damage to my credit profile.

1. FCRA 611 ( 15 U.S.C. 1681i ) Dispute Rights If the completeness or accuracy of any item of information is disputed the agency shall, free of charge, conduct a reasonable reinvestigation CFPB Regulation V ( 12 CFR 1022.43 ( b ) ( 2 ) ) Disputes via Authorized Agent or Electronic Means A CRA shall not require a consumer to provide more personal information than is reasonably necessary to investigate the dispute.

Using a portal or email = sufficient Key violations include : 1. Repeated Misreporting of Status Codes Navy Federal continues to report the account as CO ( charge-off ) and R ( repossession ) months after the vehicle was repossessed in XX/XX/year>. This is improper and creates the illusion of ongoing delinquencies, inflating credit damage and violating FCRA 623 ( a ) ( 1 ) ( A ) and XXXX XXXX guidelines. 
XXXX. Reporting the Account as closed After Repossession Navy Federal reported the account as current or with active updates after the vehicle was taken, suggesting the account was still open or being paidthis is false and deceptive reporting.

3. No Notice of Sale, No Deficiency Letter, No IRS 1099-C I never received : A Notice of Sale required by UCC 9-611 A Deficiency Letter or post-sale accounting ( UCC 9-616 ) A 1099-C tax form ( as required under 26 USC 6050P ) despite ~ {$18000.00} charged
off 4. No Documentation Provided During Dispute Investigations All disputesfiled via Experian, CFPB, and directly with NFCUwere met with vague verified or we disagree responses, but no legal or verifiable documentation. NFCU has yet to provide : Proof of sale ( date, location, buyer, ledger ) Proof of mailing for sale notice ( certified/tracked ) Post-repo deficiency accounting Signed security agreement or contract IRS 1099-C Compliance with Metro 2 format 5 . No Consumer Consent for Collection or Third-Party Transfer I do not consent to the sale, assignment, or collection of this disputed debt by any third party. Continued reporting or assignment without my consent violates FCRA 604 ( a ) and FDCPA 809 ( b ).

6. Systematic Failure to Investigate Under FCRA Under FCRA 611 ( a ) and 623 ( b ), NFCU must correct or delete unverifiable data. They have failed to do so. Despite ongoing errors and my disputes, they continue to report the same inaccurate info, demonstrating willful noncompliance.

7. Hardship Ignored Prior to Repo In early 2024, I informed a customer service agent I had lost my job. Navy Federal had a hardship program at the time, but I was explicitly told I could not be referred to it. This may constitute a UDAAP ( Unfair, Deceptive, or Abusive Act or Practice ) under 12 U.S.C. 5531 and an ECOA violation.

8. No Consent for Repo Location The vehicle was taken from a repair shop, not from active use. I was not notified or given a chance to retrieve, redeem, or reinstate before sale.

Summary of Violations FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ), 604 ( a ), 623 ( b ) ( 1 ) ( D ) FDCPA 809 ( b ), 807 ( 8 ) UCC 9-611, 9-616, 9-614 IRS 26 USC 6050P Dodd-Frank 1031 ( 12 U.S.C . 5531 UDAAP ) I am not acknowledging any liability or ownership of the alleged debt. I do not waive any rights and explicitly reserve the right to pursue legal remedies. Any response from Navy Federal that does not include full documentation should not be considered valid or acceptable under the law.

I respectfully request : Immediate deletion of this tradeline from all CRAs No further collection attempts or transfers of the account Full documentation or written admission that it no longer exists Restoration of my credit score and rights as a consumer This complaint is submitted solely for the purpose of resolving inaccuracies and protecting my consumer rights under federal law. Nothing in this submission should be interpreted as an admission of liability, responsibility, ownership of any alleged debt, or agreement to any terms or representations by Navy Federal Credit Union ( NFCU ). I explicitly reserve all rights, including the right to dispute, deny, or legally challenge any claims made by NFCU now or in the future. This complaint may not be used against me in any court proceeding. I am filing a formal complaint against NFCU for knowingly furnishing false, misleading, and unverifiable information regarding an auto loan account that was repossessed in XX/XX/year>. Despite being charged off, Navy Federal continues to report the tradeline with repeated CO ( charge-off ) and R ( repossession ) codes on a monthly basis, giving the false appearance of recurring delinquencies and damaging my credit score. This violates FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 guidelines. No post-repossession documents were provided to me, including : A certified Notice of Sale or right-to-redeem ( UCC 9-611 ) Post-sale accounting statement ( UCC 9-616 ) IRS Form 1099-C , despite a charge-off of over {$18000.00} ( 26 USC 6050P ) Any evidence of default, signed agreements, or sale information Navy Federal has continued to report a balance of {$18000.00} after charge-off , which may constitute deceptive credit reporting and collection practices. I have disputed this account multiple times with XXXX, CFPB, and NFCU, and every time the status was returned as verified or updated with no evidence attached. This violates FCRA 611 and 623 ( b ) ( 1 ) ( D ). The account has also been misrepresented as current at times, despite repossession. These are knowingly false data points. Furthermore, I notified NFCU of financial hardship in early 2024 and was told no assistance was available, despite reports of hardship programs at the time. The vehicle was then repossessed from a repair shop, not from my possession, without providing a reasonable opportunity to cure or redeem the vehicle. This behavior may fall under UDAAP violations ( Dodd-Frank 1031 ) and may also raise ECOA compliance concerns. I explicitly do NOT consent to any third-party collection, sale, or transfer of this disputed debt. Per FCRA 604 ( a ) and FDCPA 809 ( b ), this account must not be shared, assigned, or collected upon without my documented consent which has never been provided. I am not obligated to accept any resolution from NFCU unless it includes all of the following documentation : Repossession sale receipt and deficiency breakdown ( UCC 9-616 ) Certified sale notice ( UCC 9-611 ) IRS Form 1099-C or written explanation Full Metro 2 audit trail and payment history Verification results used by XXXX, XXXX XXXX XXXX FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( b ) ( XXXX ) ( D ) require deletion of any tradeline that can not be verified within 3045 days. Willful noncompliance may entitle me to damages under FCRA 616. Therefore, I demand : 1. Immediate and permanent deletion of this tradeline from all CRAs 2. Written confirmation via email that NFCU will not sell, assign, or collect this account 3. A statement confirming all required documentation is either included or unavailable XXXX XXXX XXXX recalculation upon deletion Submission is made via CFPB XXXX only This complaint/document does not waive any rights Also is not admission to any financial obligation, contract, or claim.

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