Consumer complaint received 2024-12-24 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: CO

Complaint narrative:
RE : Affidavit Of Truth Example of a 15 USC 6802 dispute letter opening : " Dear Consumer Financial Protection I am writing to formally notify you that I believe Navy Federal bank have violated my privacy rights under 15 U.S. Code 6802 by disclosing my nonpublic personal information to a nonaffiliated third party without my prior consent. '' This Rescission notice is made pursuant to 15 U.S.C. Code 1635 ( a ), as I was never told i had 3 days to rescind thew agreement. I was never given the notice that comes with all consumer credit transaction. Furthermore, The agent office address for Navy Federal Credit Union is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never give me the options to opt out of overdraft contract, Also they violated my consumer credit rights on credit applications,. " 15 USC 6802 dispute letter '' is a letter sent by a consumer to a financial institution, claiming that the institution has violated their privacy rights by disclosing their nonpublic personal information to a third party without proper notice or consent, as outlined under 15 U.S. Code 6802 of the XXXX XXXX XXXX XXXX XXXX which governs consumer financial privacy laws ; essentially, the consumer is disputing the unauthorized sharing of their personal financial information. 
Key points about a 15 USC 6802 dispute letter : Purpose : To notify the financial institution that the consumer believes their privacy rights have been violated by sharing their nonpublic personal information without proper authorization. 
What it should include : Consumer 's XXXX XXXX i believe in the following Details about the specific disclosure of information that the consumer believes is a violation,15 USC 78m ( q ) ( 1 ) ( C ) is a section of the United States Code that defines the term " payment '' XXXX. The term " payment '' means a payment that is made to further the commercial development of oil, natural gas, or minerals, and is not de minimis. It includes taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits that the XXXX determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals and belongs to United States of America. also XXXX. Criminal liability for willful and knowing violation Section Text Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( XXXX ) uses any chart or table authorized by the XXXX under section XXXX of this title in such a manner as to consistently understate the annual percentage rate determined under section XXXX ( a ) ( XXXX ) ( A ) of this title, or ( XXXX ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both. 

Source Credit ( 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. ) Notice that pursuant to 15 U.S. code 1635 ( b ) : upon receipt of this recission, i am not liable for any finance chargers of other charge, and security intertest become void effective immediately. I would like all and any funds Navy federal bank took from XXXX XXXX XXXX. also, note The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXXXXXX XXXX XXXXXXXX XXXX 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, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States XXXX 

( XX/XX/XXXXXXXX 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 monetary relief