Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10762879
Complaint Overview
Complaint ID: 10762879
Company: Navy Federal Credit Union
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Florida
ZIP Code: 33702
Date Received: 2024-11-11T12:00:00-05:00
Date Sent to Company: 2024-11-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Requesting Tax Documents Companies list accounts as the following " Account charged off, I did not receive a 1099C, Companies are still reporting that I have balances. I am requesting the 1099C. UCC 3-306 UCC 9-210 FCRA 609 & 611 I have received a copy of my credit report and after reviewing my credit report I hereby respectfully dispute and demand the immediate deletion of the following inaccurate items pursuant to 15 USC 1681 sec.611 of the FCRA # 1 & 4 . FACT : The FDCPA & FCRA is to secure my right to privacy. FACT : The FDCPA & FCRA protects consumers from having their reputation ruined by Debt Collectors. ( This violation has occurred via debt collectors posting on my consumer report without my written permission ). FACT : The FDCPA & FCRA is in place to protect my rights against abusive debt collectors. FACT : Affidavit has proof in exhibit A that the following debt collector ( s ) has violated 15 USC 1692B ( as they are not allowed to say that this is an attempt to collect a debt which I deem to be harassment and abuse ). NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & amp ; SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission, CFPB, OCC, FDIC, XXXX and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I am sure you are well aware of the Class Action Lawsuit ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10762879 about?
Complaint #10762879 was filed against Navy Federal Credit Union regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-11-11T12:00:00-05:00.
How did Navy Federal Credit Union respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Navy Federal Credit Union?
Yes, visit the Navy Federal Credit Union company profile at readthecomplaint.com/company/navy-federal-credit-union to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.