Consumer complaint received 2024-02-21 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
State: UT

Complaint narrative:
I XXXX XXXX XXXX, agent, and beneficiary of XXXX XXXX XXXX, declare under penalty and perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Furthermore, misstatements are punishable as perjury under 18 USC 1621. I am writing to Express a direr matter involving the ( FCRA ) Fair Credit Reporting Act and the abhorrent violations committed by these persons or consumer reporting agencies : XXXX, XXXX, XXXX and Navy Federal Credit Union. I am alleging that a person or a company without my authorization rather it be written, or verbal consent used my personal identifying information such as my " social security number '', name, address, etc., to buy, sell, report, or furnish my information. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, to XXXX, XXXX, XXXX and any furnisher of information to credit agencies. Furthermore, as outlined in 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about the option to exercise nondisclosure. The furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option. Additionally, 15 USC 1681c ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports, especially without the consumer 's permission, which is the case with the account in question ( account ending in 9044 ). Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A emphasizes that information should not be furnished to consumer reporting agencies if there is knowledge or reasonable cause to believe that the information is inaccurate. XXXX and XXXX and XXXX are not adhering to reasonable procedures, as required by 15 U.S. Code 1681e, which mandates consumer reporting agencies to maintain procedures designed to avoid violations of specific sections and limit the furnishing of consumer reports to specified purposes. Finally, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time immediately and indefinitely. -- -- -- -Consumer credit reporting. Some of our affiliates collect, use, and sell personal data when acting as a consumer reporting agency, as this activity is regulated by the FCRA. Acting as a consumer reporting agency, these affiliates collect personal data about your creditworthiness, credit standing, credit capacity and mode of living from a variety of data furnishers, share this information with credit providers and other entities when they make decisions to extend credit or enter into transactions with you, assist lenders and other creditors with their XXXX XXXX and use and/or disclose personal data for other permissible purposes under the FCRA, including, but not limited to, insurance underwriting, government benefits, and employment verification, and other uses at the consent of the consumer. XXXX XXXX XXXX. We collect, use, and sell personal data as part of our XXXX XXXX XXXX  services. These services permit our customers to make informed decisions regarding providing credit to or investing in businesses. XXXX XXXX reports may contain the names and other personal data of owners, principals, guarantors, or agents of the businesses. Navy Federal is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. " NFCU does not have my consent to furnish this information and they absolutely do not have my written consent, any and all consent NFCU in any forms ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic information to a nonaffiliate third party unless -- the consumer " I '' given an explanation of how the consumer can exercise that non-disclosure option. " NFCU never informed me that I had a right to exercise my non-disclosure option. In addition to that 15 USC 1681 ( c ) says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is obviously in adverse action and they are reporting without my consent which is against the law '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures and I am Opting out of XXXX, XXXX and XXXX reporting to my consumer report. 
-Moreover, as per 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These creditors ( Navy Federal Credit Union, XXXX, and XXXX XXXX XXXX ) are in direct violation by reporting late payments without adhering to my written instructions under an open-end consumer credit plan. I express my disappointment in the lack of expedited attention to this issue specifically on my XXXX and XXXX report pertaining to account ending in XXXX XXXX and the account with XXXX XXXX XXXX and XXXX XXXX XXXX. This is also inaccurate reporting as I do not show late with XXXX let alone even show up as reporting with XXXX. 

Charge offs and collections are certificates of indebtedness which become income once charged off and CAN NOT be reported to a consumer report. Since successful at least one of the above-mentioned misuses of my information, this debt collector and credit reporting agency is in direct violation for furnishing this unknown account on my credit report and identity theft pursuant 15 U.S.C. 1681 & 15 U.S.C. 6801. These inaccuracies have caused me much suffrage and defamation of my character. ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. I extended my credit, being my social security number to these companies which makes me the original creditor and grantor. Prove the contrary or delete inaccuracies from my report! ( h ) Debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services that are the subject of the transaction are primarily for personal, family, or household purposes, whether or not the obligation has been reduced to judgment. ( k ) Person includes - corporations, companies, associations, firms, partnerships, societies, and joint stock companies. Title 18 8. - Obligation or other security of the United States defined ( Reference ) The term * '' obligation or other security of the United States* includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States XXXX stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps. Title 31 3123. Payment of obligations and interest on the public debt The faith of the United States Government is pledged to pay, in " legal tender '', principal and interest on the obligations of the Government issued under this chapter. The Secretary of the Treasury shall pay interest due or accrued on the public debt. Article I Section 10 Powers Denied States Clause 1 Proscribed Powers No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. There have been no gold or silver coins in natural circulation since 1965, if so prove the contrary and I am aware that for you to tell me XXXX XXXX or any other form of unlawful payment is accepted is perjury of oath. 


-- -- I've sent in request to have old address taken off my report profile with XXXX, XXXX and XXXX. They have failed to do so and I'm requesting to be paid for each penalty on each report at a rate of { {$1000.00} } for each incorrect address. I've sent in my photo id to avoid any complications and my request has still not been met. -- -- - -- -- -Please be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made under the above-named Title and Section. I respectfully request that your offices ( XXXX XXXX bought my debt from Navy Federal Credit Union ) provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following... 1 What money do you say I owe? : 2 Explain and show me how you calculated what you say I owe : 3 Provide me with copies of any papers that show I agreed to pay what you say I owe : 4 Provide a verification or copy of any judgment if applicable : 5 Identify the original creditor ( I the consumer by means of giving my social security number ) : 6 Prove the Statute of Limitations has not expired on this account : 7 Show me what you are licensed to collect in my state : 8 Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the three major Credit Bureaus { XXXX, XXXX, or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1 Violation of the Fair Credit Reporting Act 2 Violation of the Fair Debt Collection Practices Act 3 Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease. Also, during this validation period, if any action is taken that could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be reporting as " Paid as agreed '' on my credit report and a copy of such update { to any/all of the three major credit reporting bureaus : XXXX, XXXX, and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home. If your offices attempt telephone communication with me, including but not limited to computer-generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted. It would be advisable that you ensure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.

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