Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
Re : CFPB XXXX XXXX. XXXX Complainant : XXXX XXXX XXXX To Whom It May Concern, This letter serves as my formal rebuttal and dispute to the response provided by Navy Federal Credit Union ( NFCU ) regarding CFPB case number XXXX. Your response contains inaccurate, incomplete, and legally insufficient statements, and it fails to satisfy your obligations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. You Failed to Provide Legally Required Documentation Your response merely repeats basic account opening dates and asserts that the debts are valid, yet you failed to provide any of the following required documents : A full accounting of the alleged debt Original signed contracts Itemized payment histories Verification of the date of first delinquency ( DOFD ) Proof of assignment or ownership of the alleged debt Copies of notices allegedly sent to me Under 15 U.S.C. 1681i ( a ), you must reinvestigate and provide actual verificationnot generic statements. A conclusory claim that the debt is valid does not satisfy federal law. 

XXXX. You Have Not Proven That Your Reporting Is Accurate You claim you are reporting accurate information, yet you provided XXXX evidence to support this. The following must be verified with documentation : The correct DOFD for each account If the DOFD is misreported by even XXXX month, this is a direct violation of : 15 U.S.C. 1681s-2 ( a ) Duty to report accurate information 15 U.S.C. 1681e ( b ) Reasonable procedures to assure maximum accuracy The accuracy of the charge-off date for the loan account The accuracy of the delinquency dates for the credit card account The legality of continued furnishing after a consumer dispute was filed Until you provide documented evidence, your reporting remains unverified and legally challengeable. 

XXXX. Failure to Properly Investigate = FCRA Violation Your response indicates no investigation was actually conducted. Under : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) You must conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Upon notice from CFPB/CRAs, you must investigate and correct inaccuracies A canned, template response is not an investigation. CFPB has repeatedly ruled that furnishers must provide evidence, not statements. 

Your failure to provide documentation constitutes : Failure to Reinvestigate Failure to Provide Verification Failure to Provide Evidence Supporting Reporting Failure to Comply With 1681s-2 ( b ) XXXX. Continued Reporting Without Verification = Willful Noncompliance If you continue to furnish this data without verifying accuracy, you are engaging in willful FCRA violations, including : 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance This exposes Navy Federal to statutory damages, actual damages, punitive damages, and attorneys fees. 

XXXX. Demand for Immediate Action I hereby demand : A full reinvestigation of all disputed data. 

Complete documentation supporting your claims of accuracy. 

Immediate correction or deletion of any item you can not legally verify with documentation. 

Written confirmation of your investigation results sent to me and all CRAs. 

If you fail or refuse to comply, I will escalate this matter for additional enforcement action and explore civil remedies for damages. 

XXXX. Final Notice Your failure to provide evidence proves that your response is insufficient under federal law. If you can not produce : Original contracts Itemized statements DOFD documentation Verification records Proof of mailing required notices then you can not legally continue reporting these accounts. 

This constitutes your final notice before escalation.

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