Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Fl XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/25 Subject : Formal Dispute and Validation Request for Charged-Off Account Dear Navy Federal Credit Union , I am formally disputing the reporting of the charge-off account associated with XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and applicable Florida consumer protection laws, I am requesting complete and accurate documentation to verify the accuracy, validity, and legal standing of this accounts reporting. 

Legal Basis for My Dispute As outlined in 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), furnishers must ensure the accuracy of information reported to credit bureaus. Additionally, case law, including Cushman v. TransUnion Corp., XXXX XXXX XXXX ( XXXX Cir. XXXX ), and Johnson v. MBNA America Bank, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), reinforces the responsibility of furnishers to conduct thorough investigations when a dispute is filed. 

Given these legal protections, I am requesting the following : 1. Authenticated Double-Entry Accounting Records Provide full double-entry accounting records for this account, including a transaction-level breakdown of debits and credits to confirm the accuracy of the reported balance. Chaudhry v. Gallerizzo, XXXX XXXX ( XXXX Cir. XXXX ), established that creditors must provide substantive evidence beyond conclusory statements. 

2. Proof of Legal Right to Report & Collect This Debt I request authenticated documentation proving your legal right to report and collect this debt under both federal and Florida law. This includes : A copy of the original signed agreement establishing my obligation to pay this debt. 

Documentation of any assignments, transfers, or sales of this account. 

Verification that you are the legal entity entitled to collect and report this debt. 

Without this evidence, continued reporting may violate Spears v. Brennan, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), which mandates that creditors produce original signed documentation to prove the validity of a debt. 
3. Permissible Purpose for Credit Reporting Under the FCRA ( 15 U.S.C. 1681b ), furnishers must have a valid, legal purpose for reporting an account to the credit bureaus. Provide verification of your permissible purpose in reporting this account and clarification on the current status being reported. 

4. Documentation of Debt Securitization ( If Applicable ) If this debt has been securitized, transferred to a trust, or bundled into an investment vehicle, I request documentation proving : Whether you retain ownership of the debt. 

Whether the right to collect and report still resides with you. 

If ownership has changed, I demand that you cease reporting this account immediately. 

Request for Immediate Deletion This account has been reported with severe inaccuracies, possible legal deficiencies, and potential securitization concerns. In light of the failure to provide proper validation, I formally request the immediate deletion of this account from my credit report. 

Failure to comply within 30 days may result in : Legal action to enforce my rights Formal complaints with the Better Business Bureau ( BBB ) Complaints with the Federal Trade Commission ( FTC ) Complaint with my local Attorney Generals Office Additionally, this letter serves as a formal cease and desist against any further collection activity related to this account. 

Please respond with the requested documentation and confirmation of deletion within 30 days of receipt. I expect compliance in accordance with all federal and state consumer protection laws. 

Sincerely, XXXX XXXX

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