Consumer complaint received 2024-10-09 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: OH

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to request the immediate deletion of a Navy Federal Credit Union ( NFCU ) account from my credit report. This account contains inaccuracies, disputed charges, and information related to identity theft. Furthermore, NFCU 's handling of my billing dispute and related inquiries has been unprofessional and in violation of multiple federal and state laws. 

Relevant Legal Violations : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 Under the FCRA, I have the right to request the removal of fraudulent or inaccurate information from my credit report. NFCU has failed to correct inaccuracies related to this account, specifically refusing to remove it despite its connection to identity theft and unauthorized charges.

Violation : NFCUs refusal to remove this fraudulent information from my credit report violates my rights under the FCRA.

Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666 The FCBA requires creditors to promptly investigate billing disputes and provide written explanations of their findings. NFCU failed to conduct a thorough investigation regarding a {$1000.00} debit card charge associated with this account and did not provide an adequate explanation. 
Violation : NFCUs mishandling of the billing dispute violates the FCBA 's investigation and dispute resolution provisions.

Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693f The EFTA governs the resolution of unauthorized electronic fund transfers. The {$1000.00} charge is unauthorized, and NFCU has not investigated or reversed the transaction, despite my provision of sufficient documentation.

Violation : NFCU has violated the EFTA by failing to investigate and resolve unauthorized charges as required by law.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c The FDCPA prohibits unfair and deceptive collection practices, including reporting inaccurate or disputed debts. NFCU continues to report this account as charged off or past due, despite the ongoing dispute, which has harmed my credit score and financial standing.

Violation : NFCUs reporting of this account as delinquent, despite the ongoing dispute, constitutes a violation of the FDCPA.

Ohio Consumer Sales Practices Act ( CSPA ) Ohio Rev. Code 1345.02 The Ohio CSPA prohibits suppliers from engaging in unfair, deceptive, or unconscionable acts in consumer transactions. NFCUs failure to investigate my billing dispute and unauthorized charges, along with their lack of clear communication, falls under deceptive practices as defined by Ohio law.

Violation : NFCUs conduct constitutes unfair and deceptive practices under the Ohio CSPA.

Ohio Identity Theft Law Ohio Rev. Code 2913.49 Ohio 's identity theft laws protect consumers from the adverse effects of fraudulent information. NFCU has refused to correct or remove fraudulent information from my credit report, which continues to harm my financial standing.

Violation : NFCUs refusal to remove identity theft-related information from my credit report violates Ohios identity theft law.

Summary of Violations : Inaccurate Information Reporting ( FCRA ) : NFCU has failed to remove inaccurate information despite evidence of its connection to unauthorized charges and identity theft.

Failure to Investigate Billing Disputes ( FCBA ) : NFCU has not properly investigated my billing dispute.

Unauthorized Charges ( EFTA ) : The {$1000.00} charge is unauthorized, and NFCU has failed to investigate or reverse it.

Unfair Debt Collection Practices ( FDCPA ) : NFCU continues to report the account as delinquent despite the ongoing dispute. 
Deceptive Practices ( Ohio CSPA ) : NFCUs mishandling of my dispute and failure to correct inaccuracies constitute unfair practices. 
Failure to Correct Identity Theft Information ( Ohio Identity Theft Law ) : NFCUs refusal to remove identity theft-related information is unlawful. 
Desired Outcome : Immediate Deletion of the NFCU Account : I request that NFCU be required to delete this disputed account from my credit report across all credit bureaus ( XXXX, XXXX, and XXXX ). This account contains fraudulent charges and disputed information that have not been resolved appropriately.

Reimbursement of {$1000.00} for Unauthorized Debit Card Charge : I seek reimbursement for the {$1000.00} unauthorized debit card charge. If NFCU can not provide this reimbursement, I request that they block and delete the account from my credit report immediately. 

Correction of Credit Report : NFCU must notify all credit bureaus of the account deletion and ensure that any derogatory marks related to this account are permanently removed from my credit file. 


Conclusion : I trust that the CFPB will take prompt action to ensure my rights as a consumer are upheld. NFCU has failed to follow federal and state laws in handling my dispute and reporting accurate information. I respectfully request the CFPB 's assistance in resolving this matter and ensuring that NFCU corrects the ongoing damage to my credit report. 


Sincerely,

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