Consumer complaint received 2024-08-14 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:
NAVY FCU is in violation of multiple laws set forth by Congress in regard to the following Account Number : XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( NAVY FCU ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( NAVY FCU ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX AND XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. The reporting of this account as a debt is inaccurate. NAVY FCU has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In NAVY FCU terms and conditions, they agreed not to share my information with non-affiliates. XXXX and XXXX are not an affiliate of NAVY FCU nor are they " bureaus ''. The only true credit bureau is the CFPB, and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802. I am now, immediately and indefinitely, OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to NAVY FCU written, unwritten, verbal or nonverbal to report my nonpublic personal information to a third party. NAVY FCU is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by NAVY FCU that my nonpublic personal information was going to be shared to nonaffiliated third parties such as XXXX and XXXX et al and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6805 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which NAVY FCU never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, NAVY FCU violated the terms and conditions within their banking agreement, because NAVY FCU states that they do not provide consumer information to third parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive THREE different disclosures before my nonpublic personal information is shared but I never received notice.

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