Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
According to the Fair Credit ReportingAct 15 USC 1681 section 602 states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect the consumer right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. As i have recently reviewed my Consumer credit report, I have come to find several violations that are Civil Liabilities for Willful noncompliance 15 USC 1681n ( a ) and are entitled to {$1000.00} per violation, in accordance with 15 USC 1681n ( b ). This credit card account by Navy Federal Credit union has been discharged per US Code 523 Exceptions to discharge. This XXXX XXXX rewards card was XXXX on XX/XX/XXXX for the amount of {$24000.00}. This account is reporting negatively and not associated with my address or my address on my DL. This is reporting fraudulently on my credit report, per 15 US Code 1681c-2 Block of information resulting from identity theft. Consumer reporting agency shall block the reporting of any information in the file of a consumer identities as information that resulted from an alleged identity theft no later than 4 business days after the date of receipt by such agency. I am victim of identity theft. I also noticed late payments posted on my credit report for this account Navy federal Cash rewards. This company is in clear violation of the law. I did not give my written consent or instructions to furnish my credit report. 1681s_3 any containing information solely as to transactions or experiences between the consumer and the person making the report Delete the late payments from my consumer report, this agency is in violation of15 USC 1681 Failure to respond satisfactorily with deletion of the above reference account, and send out a free cop of my updated report after changes have been made, will result in legal actions being taken against your company, for which i will also be seeking {$1000.00} per violation for 1. Defamation ofCharacter ( per se ) 2. Collection Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance 15 USC 1681 ( n ) Also i have a right to Privacy and per the Privacy Act of1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have written, non written, verbal, and no verbal 15 USC 6802 These Financial institutions/accounts are in violation and are to be deleted immediately and civil liability penalties wired to my Checking account, which i can provide upon request. need to be Deleted and block per the information above XXXX XXXX XXXX {$2100.00} ( this account has been XXXX on XX/XX/XXXX per XXXX. 
XXXX {$2100.00} ( account has been XXXX ) Navy Federal Credit Union Cash Rewards Card {$24000.00} ( This account has been discharged via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are a violation of my privacy act and need to be deleted immediately as well. 
Navy fcu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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