Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4917444
Complaint Overview
Complaint ID: 4917444
Company: Navy Federal Credit Union
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Maryland
ZIP Code: 20706
Date Received: 2021-11-16T12:00:00-05:00
Date Sent to Company: 2021-11-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I did not consent to, authorize nor benefit from the following account : Navy Federal Credit Union. Navy Federal Credit Union removed the original fraudulent account number XXXX on XX/XX/XXXX from my credit reports. This Navy Federal Account has been closed for two years, XX/XX/XXXX. Then, Navy Federal Credit Union created a new fraudulent account number XXXX without my knowledge, nor consent, nor authorization with the same fraudulent information in the original fraudulent account and number that has been closed for two years. As a result, XXXX XXXX and XXXX falsified documents stating the investigation results show the account has been deleted and removed. When in fact, the account was never removed, XXXX allowed Navy Federal to change the account number and retain the same false information to the original fraudulent account. Navy Federal changed the account number and XXXX allowed this fraudulent change to take place after XXXX stated the account was removed. The account was never removed, only updated with a fraudulent account number. Navy Federal never notified me nor asked my consent/request me to change the account number. This account has been closed for over two-years. Navy Federal and XXXX are now in violation of 15 USC 1692 e ( 8 ), 15 USC 1692 e ( 10 ) and 18 USC 1028A.
Frequently Asked Questions
What is Complaint #4917444 about?
Complaint #4917444 was filed against Navy Federal Credit Union regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-11-16T12:00:00-05:00.
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, credit repair services, 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.