Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
b'RE: CONDITIONAL ACCEPATNCE FOR VALUE FOR PROOF OF CLAIM, FOR VALIDATION OF ALLEGED DEBT,\nReceived under Account or Reference No. XXXX XXXX XXXX XXXX XXXX  MC XXXX XXXX XXXX XXXX\nDear  ___________________________:\nI am in receipt of and conditionally accept for value (honor) your letter entitled Demand for Payment of Debt, or_XXXX XXXX XXXX XXXX XXXX XXXX XXXX _____, Reference No.        IF ANY, dated ____XXXX XXXX________, XXXX A copy of your letter/ document is enclosed. \nThis letter is being sent to you in response to a notice sent to me on  XXXX XXXX XXXX.Be advised that this is not a refusal to pay , but a notice and agreement to pay predicated in the you providing the proof of claim as this CAFC is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested. \nThis is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that  your offices provide me with competent evidence that I have any legal obligation to pay you.\nThe necessary Proofs of Claim are set out below, to wit:\n1.\tWhat the money you say I owe is for;\n2.\tExplain and show me how you calculated what you say I owe;\n3.\tProvide me with copies of any papers that show I agreed to pay what you say I owe;\n4.\tProvide a verification or copy of any judgement if applicable;\n5.\tIdentify the original creditor;\n6.\tProve the Statue of Limitations has not expired on this account\n7.\tShow me that you are licensed to collect in my state\n8.\tProvide me with your license numbers and Registered Agent\n  At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus (XXXX XXXX or XXXX) this action might constitute fraud under both Federal and State Laws. Due to this fact, any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following:\n1)\tViolation of the Fair Credit Reporting Act\n2)\tViolation of the Fair Debt Collection Practices Act\n3)\tDefamation of Character\n4)\tIf your offices are able to provide the 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 and desist.\nAlso during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.\nIf your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.\nI would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. 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 in this letter by USPS.\nIt would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.\nFurthermore failure to respond and provide the above PROOF OF CLAIM will result in acquiescence constituting your agreement and formal acceptance that there is no outstanding debt.  You will have by your non-response failed to state a claim upon which relief can be granted and admitted that there is no valid Claim of Action arising via contract and /or compelling the undersigned into an unconscionable contract and that there was no meeting of the minds in respect to the alleged contract.\nYou will have formally accepted each and every fact herein as they operate in favor of the undersigned, due to your silence and estoppel is in effect.\n\nDue to the time sensitive nature of this private matter, under necessity, you are to respond with Proof of Claim within 30 days by certified-priority-return-mail to undersigneds address and a copy to the Third Party or Notary as addressed below.\n\tShould you fail or refuse by non-response to provide Proof of Claim within the time specified in this private matter, general acquiescence and acceptance will be taken on your part as formally exercised (performed) pursuant to your silence.'

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