Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
P. XXXX of XXXX State of XXXX XXXX of XXXX I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX Mi XXXX, being duly sworn, depose and state as follows : Purpose of Affidavit This affidavit is submitted to address and correct the inaccurate reporting of late payments, open account and other discrepancies on my credit report related to the account held with XXXX XXXX XXXX XXXX Account and Alleged Violations The reporting entity, XXXX XXXX, has reported inaccurate information regarding my account [ # XXXX ] and XXXX XXXX, XXXX and XXXX in my credit report. This reporting constitutes a violation of federal law, specifically under 15 U.S.C. 1681a ( d ) ( 1 ) and related provisions.

Relevant Statutory Exclusions 15 U.S.C. 1681a ( d ) ( 1 ) : Credit reports containing only information about transactions or experiences between a consumer and the person making the report are excluded from the definition of a consumer report.

15 U.S.C. 1681s3 : Communications among affiliated entities are excluded when the consumer has been notified and provided the opportunity to opt out. 
The reported late payments and balance information appear to fall under these exclusions, making their inclusion in my credit report unlawful. 
Violation of Rights By continuing to report inaccurate or exempted information, XXXX XXXX infringes upon my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
Demand for Correction I hereby demand that XXXX XXXX : Immediately update the account status to reflect " Paid as Agreed '' or " OK. '' Notify all consumer reporting agencies of the correction, including XXXX XXXX XXXX, and XXXX XXXX 
Ensure compliance with federal laws regarding accuracy in reporting. 
Monetary compensation of {$10000.00} for cascading negative impact the plaintiff has experienced due to their poor credit, including challenges in obtaining loans, higher interest rates, limited access to credit, difficulties in renting, increased insurance premiums, adverse employment, eviction, unstable living and career prospects, obstacles in starting a business, strained personal relationships, and health issues P. XXXX of XXXX XXXX XXXX XXXX XXXX XXXX to comply with this lawful demand XXXX result in legal action, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Michigan Department of Attorney General. 
Seeking damages under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
Legal Basis for My Dispute 15 U.S.C. 1681a ( 2 ) : Reports limited to transactions or experiences between the consumer and the reporting entity must be removed if included unlawfully. 
15 U.S.C. 1681e : Reporting entities must ensure the maximum possible accuracy of credit report information. The inclusion of incorrect data demonstrates non-compliance.

15 U.S.C. 1681i : Reinvestigate disputed information within 10 days.

Notify the furnisher and verify the accuracy of disputed information.

Correct or delete unverifiable or inaccurate information.

15 U.S.C. 1692g : Validation of debts requires documented evidence of debt accuracy and my liability.

15 U.S.C. 1611 : Criminal penalties, including fines of up to {$5000.00} or imprisonment for up to XXXX year, apply to knowingly providing false information. 














XXXX of XXXX NAVY FCU  XXXX XXXX XXXX Account # : XXXX - - Account Type : Revolving account - - Account Type - Detail : Revolving account - - XXXX Code : Individual account - - Account Status : Closed - - Monthly Payment : {$0.00} - - Date Opened : XX/XX/XXXX - - Balance : {$2100.00} - - No. of Months ( terms ) : - - - High Credit : {$2500.00} - - Credit Limit : {$500.00} - - Past Due : - - - Payment Status : Charged off as bad debt - - Last Reported : XX/XX/XXXX - - Comments : Dispute resolved; customer disagrees Date Last Active : XX/XX/XXXX - - Date of Last Payment : - - - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVY FCU  XXXX XXXX XXXX Account XXXX : XXXX - - Account Type : Revolving account - - Account Type - Detail : Revolving account - - XXXX Code : Individual account - - Account Status : Closed - - Monthly Payment : {$0.00} - - Date Opened : XX/XX/XXXX - - Balance : {$0.00} - - No. of Months ( terms ) : - - - High Credit : {$2100.00} - - Credit Limit : {$2000.00} - - Past Due : - - - Payment Status : 30 days past due - - Last Reported : XX/XX/XXXX - - Comments : Dispute resolved; customer disagrees Date Last Active : XX/XX/XXXX - - Date of Last Payment : - - - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NAVY FEDERAL CR UNION XXXX XXXX XXXX Account XXXX : - XXXX - Account Type : - REVOLVING - Account Type - Detail : - Credit Card - Bureau Code : - Individual - Account Status : - Closed - Monthly Payment : - - - Date Opened : - XX/XX/XXXX - Balance : - {$2100.00} - No. of Months ( terms ) : - Revolving - High Credit : - - - Credit Limit : - {$500.00} - Past Due : - - - Payment Status : - Charge-off - Last Reported : - XX/XX/XXXX - Comments : Completed investigation of FCRA dispute consumer disagrees Date Last Active : - XX/XX/XXXX - Date of Last Payment : - - - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX XXXX OK OK OK XXXX NAVY FEDERAL CR UNION XXXX XXXX XXXX Account # : XXXX XXXX - Account Type : - REVOLVING - Account Type - Detail : - Credit Card - Bureau Code : - Individual - Account Status : - Closed - Monthly Payment : - - - Date Opened : - XX/XX/XXXX - Balance : - - - No. of Months ( terms ) : - Revolving - High Credit : - {$2100.00} - Credit Limit : - {$2000.00} - Past Due : - - - Payment Status : - Paid, was past due 90 days - Last Reported : - XX/XX/XXXX - Comments : Completed investigation of FCRA dispute consumer disagrees Date Last Active : - XX/XX/XXXX - Date of Last Payment : - - - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVY FEDERAL CU XXXX XXXX XXXX Account XXXX : - - XXXXXXXXXXXXXXXXX Account Type : - - Revolving Account Type - Detail : - - Revolving XXXX Code : - - Individual Account Account Status : - - Closed Monthly Payment : - - - Date Opened : - - XX/XX/XXXX Balance : - - {$2100.00} No. of Months ( terms ) : - - Monthly ( due every month ) High Credit : - - - Credit Limit : - - {$500.00} Past Due : - - - Payment Status : - - Charge-off Last Reported : - - XX/XX/XXXX Comments : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY XXXX XXXX Date Last Active : - - XX/XX/XXXX Date of Last Payment : - - - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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