Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
DISPUTE LETTER # 1 Navy Federal Credit Union ( Account # XXXX {$940.00} Charge-Off ) Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX RE : Formal Direct Dispute FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 3 ), 623 ( b ) Account : XXXX Demanding Deletion Due to Multiple Reporting Violations To Whom It May Concern : I am submitting a direct dispute regarding the above-referenced account. Your reporting contains material inaccuracies, contradictory data, and XXXX XXXX compliance violations that make the tradeline unverifiable and therefore illegal to report under FCRA 1681s-2 ( a ) ( 1 ) ( A ). 

LEGAL VIOLATIONS FOUND : 1. Repeating Charge-Off Codes : The account shows continuous CO codes monthly, which is prohibited under XXXX XXXX and violates FCRA 607 ( b ) Accuracy Standard. 
2. Balance Conflicts : You report both a charge-off balance and a past-due balance of the exact same amount, which is factually impossible and violates FCRA 623 ( a ) ( 1 ).

3. Failure to Update Dispute Notation : The account shows a completed dispute but no ongoing dispute notation, violating FCRA 623 ( a ) ( 3 ).

4. Failure to Provide Proper Verification : Under FCRA 623 ( b ), you are required to verify the accuracy of all information. Your reporting inconsistencies prove that you can not. 

DEMANDS UNDER FEDERAL LAW : * Delete this account immediately or provide full validation including : Full payment ledger Original signed application/contract Charge-off history Date of First Delinquency ( DOFD ) Internal investigation records * Provide proof of XXXX XXXX compliance * Provide all documents per FCRA 609 ( a ) ( 1 ) If you can not verify every element within 30 days, you must delete this account per FCRA 611 ( a ) ( 5 ). 

DISPUTE LETTER # 2 Navy Federal Credit Union ( Account # XXXX {$18000.00} Charge-Off ) Same header as above RE : Direct Furnisher Dispute Illegal Re-Aging & Post CO Reporting ( FCRA 623 ) This account is being disputed due to illegal re-aging, factual inaccuracies, and misreporting in violation of : * FCRA 623 ( a ) ( 5 ) ( illegal date manipulation ) * FCRA 607 ( b ) ( maximum possible accuracy ) * FACTA 312 * Metro 2 Post-CO reporting prohibitions VIOLATIONS : 1. The account reports late payments AFTER the charge-off date, which is legally impossible and constitutes false reporting.

2. Activity is shown after closure, violating FCRA 605 ( a ). 3. No verified documentation has ever been provided despite prior disputes.

4. Conflicting dates of delinquency and charge-off, which invalidate the tradeline.

DEMANDS : * Delete the account OR * Provide : DOFD documentation Payment ledger Proof of ownership/contract Internal investigation logs Failure to comply requires deletion under FCRA 611 ( a ) ( 5 ). 

DISPUTE LETTER # 3 Navy Federal Credit Union ( Account # XXXX {$11000.00} ) RE : Direct Dispute Multiple XXXX XXXX Violations & Unverifiable Data VIOLATIONS : * Postcharge-off delinquency codes * Conflicting CO, past due, and closed statuses * Possible re-aging * Incorrect balance progression * Missing dispute indicators DEMAND : Delete this account immediately or furnish all legal documents under FCRA 609 ( a ) ( 1 ).

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