Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Credit File : XX/XX/XXXX by XXXX with a Confirmation # I can provide states " THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE ''. This account they are addressing is the auto-loan, Installment loan. This installment loan being with NAVY FEDERAL CREDIT UNION. With confirmation & proof this account has been deleted from my credit file, the installment loan shall no longer be reflected in my Consumer report or credit file of any sort on a nationwide basis. All consumer reporting agencies shall reflect this on their files pursuant to 15 U.S Code 1681b ( e ) ( 6 ), as all consumer reporting agencies must work together & be joined. Consumer reporting agencies on a nationwide basis must maintain a joint notification system in accordance with 15 U.S Code 1681b ( e ) ( 6 ). I believe this subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies, which XXXX, XXXX, & XXXX failed to do. As I login to check my consumer report, the installment loan is still on my credit files/consumer reports, hindering my credit score.

My credit score is also showing different numbers on XXXX, XXXX & XXXX which is a direct violation of15 U.S Code 1681b ( e ) ( 6 ) for failing to maintain reasonable procedures to keep joint notification system. The installment loan shall be promptly deleted & to not be reinserted. Not only my credit score reporting inaccurate due to items that shall no longer be on my credit file but my credit score from all consumer reporting agencies aren't accurate. 

Credit File : XX/XX/XXXX by XXXX with a Confirmation # I can provide states " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX XXXX FILE '' Company name : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ; Date : XX/XX/XXXX & XXXX XXXX ; Date : XX/XX/XXXX. Both of these accounts were card cards with these financial institutions, that shall no longer be reflecting on my credit files/consumer reports. With those accounts no longer reporting on my credit file, my credit score shall rise.

Nothing under 15 U.S Code 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirements of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S Code 1681s-2 ( 7 ) ( E ). 

Notice, it is a fact, I the consumer, have put in disputes with XXXX, NFCU, XXXX XXXX, making it clear information on my credit files or consumer reports has not been verified & can not be accurate & they proceed to furnish my information without any verification or lawful authority. in accordance with 15 U.S Code 1681s-2 ( a ) ( 1 ) ( B ) after a dispute the information can not be furnished if the information is in fact inaccurate. After this procedure upon my discovery the consumer report is still showing information inaccurately hindering my credit worthiness, credit standing, credit capacity, character, and general reputation. All of this resulting in defamation of character, libel.

DOCUMENTARY EVIDENCE has been requested yet not provided. It shall be provided in accordance with 1637 ( b ) ( 2 ) ( A ) ,1666 ( b ) ,15 U.S Code 44.

All of my accounts are not delinquent, shall not have been closed or reporting with inaccurate information, known to be false statements. 

Accounts with XXXX, NFCU, & XXXX XXXX shall no longer be affecting my XXXXredit score keeping it down.

All of these consumer reporting agencies failed to furnish my reports with my written instructions committing fraud by using my identifying information without lawful authority, direct violation of 15 U.S Code 1681b ( a ) ( 2 ).

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