Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14472137
Complaint Overview
Complaint ID: 14472137
Company: Navy Federal Credit Union
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Florida
ZIP Code: 33060
Date Received: 2025-07-04T12:00:00-05:00
Date Sent to Company: 2025-07-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute and request the removal of three unauthorized credit inquiries from Navy Federal Credit Union that appear on my credit report. These inquiries occurred as soft pulls, yet they negatively impacted my credit score, functioning similarly to hard inquiries in effect. I did not grant written authorization for Navy Federal to access my credit report in this way, nor was there a permissible purpose under the Fair Credit Reporting Act ( FCRA ) for these inquiries to be conducted in the manner they were. This is a violation of my rights as a consumer. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b Permissible purposes of consumer reports, a consumer reporting agency may furnish a consumer report only under certain specified conditions. These include : A consumer reporting agency may furnish a consumer report only if the consumer has given written instruction, or the report is to be used in connection with a credit transaction involving the consumer and initiated by the consumer. I did not initiate any credit transaction that required these inquiries, nor did I provide written consent for them to access my credit report. Therefore, these inquiries are in violation of FCRA 1681b and should be removed immediately from all consumer reporting agencies ( XXXX XXXX XXXX XXXX XXXXXXXX, if applicable ). These inquiries have resulted in a negative impact on my credit score and have caused undue harm to my creditworthiness. I am requesting that this matter be investigated immediately, and the unauthorized inquiries be deleted from my credit profile. Please confirm receipt of this complaint and advise on next steps. I am requesting a written resolution from Navy Federal and a formal update from the CFPB once this issue has been reviewed. Thank you for your attention to this matter.
Frequently Asked Questions
What is Complaint #14472137 about?
Complaint #14472137 was filed against Navy Federal Credit Union regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-07-04T12:00:00-05:00.
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.