Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am writing to file an official and urgent complaint against the credit reporting agencies and financial institutions listed below for reporting accounts that are either fraudulent, inaccurately assigned to me due to identity theft, or are directly related to my victimization under debt bondagea form of human trafficking as defined by the federal government. 

These accounts are not mine. They were either opened fraudulently or are otherwise a result of coercion and should be permanently blocked and deleted from all credit reporting agencies under the protections of the Fair Credit Reporting Act ( FCRA ), Section 605C, as well as the CFPBs Final Rule under 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) which explicitly provides for the immediate blocking of information for victims of trafficking and debt coercion.

Under FCRA 605C, I formally request that the CFPB compel the credit bureaus and furnishers to block and remove all the following derogatory items from my credit reports within XXXX business days, as I have submitted appropriate documentation including my identity theft affidavit, a sworn statement from an advocacy organization, and evidence confirming my victim status under federal trafficking protections. 

Additionally, these accounts violate the FCRA Sections 605 ( a ), 609 ( a ), and 611 ( a ) which require the credit bureaus to only report verifiable, accurate, and current information. Repeated prior disputes have gone unvalidated, and I am now escalating this to your office for formal enforcement action. 



Accounts to Be Permanently Blocked and Deleted 1. XXXX. XXXX XXXXXXXX Acct # : XXXX {$530.00} Original Creditor : XXXX XXXX XXXX XXXX  No verification. Unlawful collection activity. Must be removed under FCRA 611 ( a ). 
2. XXXX XXXX XXXX Acct # : XXXX {$340.00} XXXX XXXX XXXX. 
Debt buyer with no original documentation or signed contract. Must be removed under FCRA 609 ( a ) ( 1 ) ( A ).

3. Navy Federal Credit Union Acct # : XXXX {$9800.00} 4. Navy Federal Credit Union Acct # : XXXX {$4300.00} 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$1200.00} All accounts reflect unverifiable charge-offs, inaccurate delinquencies, and ongoing harm. Must be deleted under 611 ( a ) and 605 ( a ).

6. XXXX XXXX Acct # : XXXX {$7600.00} Reported XXXX days delinquent with inflated balance. Violates FCRA 605 ( b ).

7. XXXX XXXXXXXX XXXX XXXX Acct # : XXXX and XXXX Closed accounts with disputed late marks. No substantiating evidence. Removal required under 605 ( a ) ( 5 ) and 611 ( a ).

8. XXXX XXXXXXXX XXXX XXXX XXXX # : XXXX and XXXX Joint account discrepancies, repeated late marks without proof. Must be deleted as unverified under FCRA. 
9. Bankruptcy Chapter 7 Ref # : XXXX Filed : XX/XX/2016 XXXX XXXX CT IL XXXX Obsolete public record. Over XXXX XXXX XXXX. Must be removed under FCRA 605 ( a ) ( 1 ).

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