Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
Re : Account Number - XXXXXXXX XXXX XXXX XXXX XXXX Demand for Immediate Removal of Invalid Debt from Credit Reports and Cease All Collection Activities Final Warning Before Legal Action Dear [ Collection Agency Contact or " Sir/Madam '' ] : This letter serves as my formal follow-up demand regarding the alleged debt referenced above. On [ date of original letter ], I sent you a written request for validation of this debt pursuant to Section 809 of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that letter, I specifically requested the following documentation to verify the validity and accuracy of the claimed debt : An explanation of what this alleged account balance is for. 
A complete audit trail calculation of this balance, including the complete payment history on this account. 
Documentation showing my agreement to pay this debt with my signature, and proof that I authorized you to possess my information and report it to my credit reports. ( Note : Unauthorized use of my personal information, including my Social Security number, constitutes identity theft under federal law. ) The agreement granting you authority to collect on this alleged debt. 
A copy of your state license, including license number, authorizing you to collect debts in my state. 
The purchase agreement. 
A sworn statement under penalty of perjury that you were present during the alleged debt incurrence. 
Proof of chain of custody for the account to ensure proper financing and transfers. 
The master bill of sale. 
Your response, dated [ date of their response ], failed entirely to provide any of the requested validation materials. Instead, you offered vague or incomplete information that does not satisfy the legal requirements under the FDCPA. This is a direct violation of your obligations as a debt collector. Under FDCPA 1692g ( b ), upon receipt of a timely validation request, you are required to cease all collection activities until you mail verification of the debt to the consumer. Your continued reporting of this unvalidated debt to credit reporting agencies ( CRAs ) such as XXXX, XXXX, and XXXX  constitutes ongoing collection activity in blatant disregard of the law.

Furthermore, by reporting and maintaining inaccurate, unverified information on my credit reports, you are violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 1681s-2 ( b ), which requires furnishers of information to investigate disputes and correct or delete inaccurate data. 
Your failure to validate the debt after my request means this entry is presumptively inaccurate and must be removed immediately. Continuing to report it without proper validation exposes you to liability for willful noncompliance, including statutory damages, actual damages, punitive damages, and attorney 's fees.

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