Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to supplement and clarify my existing complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is reporting a debt in the amount of {$10000.00} that was previously investigated, confirmed as fraudulent, and deleted from my credit reports. 

Critical Facts : The original account may have been opened in my name, but the transactions and activity were fraudulent and not authorized by me.

After filing a fraud report with the FTC and the credit bureaus, the account was removed from my credit reports following an identity theft investigation. 
Despite this, the same fraudulent account was resold to XXXX, which is now attempting to collect and reporting it to the credit bureaus again. 
This practice is illegal under federal law, as it is unlawful to sell, transfer, or re-age fraudulent or disputed debt once it has been resolved and removed. 
Applicable Federal Law Violations Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report information they know or have reason to know is inaccurate 1681s-2 ( a ) ( 6 ) : It is unlawful to resell or re-report debt that has been determined to result from identity theft 1681c-2 : Requires consumer reporting agencies and furnishers to block and cease reporting verified fraudulent accounts when given a valid identity theft report 1681i ( a ) : Credit bureaus must conduct a reasonable reinvestigation upon notice of a dispute Fair Debt Collection Practices Act ( FDCPA ) 1692e ( 2 ) : False representation of the character, amount, or legal status of a debt 1692e ( 8 ) : Communicating or threatening to communicate false credit information 1692f : Prohibits unfair or unconscionable means to collect any debt Once an account is flagged as fraudulent and removed from a consumers file through valid procedures, reselling or re-reporting that same debt constitutes willful and deceptive conduct under these statutes. 

Prior Action Taken Filed an identity theft affidavit through the FTC IdentityTheft.gov Submitted documentation to the major credit bureaus, resulting in removal of the account Filed a previous complaint with the CFPB Sent written dispute and validation requests to XXXX which failed to respond or provide legal verification Requested Relief I request the CFPB to : Immediately compel XXXX XXXX XXXX XXXX to delete the account in question from all credit reporting agencies.

Investigate and impose sanctions or penalties for re-reporting previously resolved fraudulent debt.

Confirm that the account will not be sold or re-reported again in the future.

Notify the credit bureaus that continued reporting may expose them to liability under 15 U.S.C. 1681n & 1681o for failure to block fraudulent data.

This situation is more than a credit error it is a repetition of previously resolved fraud, now weaponized again against me through the unlawful resale and re-reporting of a debt that federal law requires to be permanently suppressed. I respectfully urge the CFPB to take swift and decisive enforcement action.

Sincerely, XXXX XXXX

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