Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18322867
Complaint Overview
Complaint ID: 18322867
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: California
ZIP Code: 925XX
Date Received: 2025-12-27T12:00:00-05:00
Date Sent to Company: 2025-12-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing a recent credit inquiry made by Navy Federal Credit Union that appears on my consumer credit report. I did not authorize Navy Federal Credit Union to access my credit report and did not provide written, electronic, or verbal consent for this inquiry. I have no recollection of applying for credit or initiating any transaction that would give them permissible purpose to pull my credit. This inquiry was made without my permission and therefore constitutes an unauthorized access of my consumer report under the Fair Credit Reporting Act. I am requesting that Navy Federal Credit Union provide documented proof of authorization, including a signed application or agreement bearing my signature, the date authorization was allegedly obtained, and the method by which consent was given. If Navy Federal Credit Union is unable to provide this documentation, I am requesting that the inquiry be immediately removed from my credit report and that written confirmation of removal be provided. I am requesting that the CFPB investigate this matter and ensure compliance with all applicable consumer protection laws.
Frequently Asked Questions
What is Complaint #18322867 about?
Complaint #18322867 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 2025-12-27T12:00:00-05:00.
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.