Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5992752
Complaint Overview
Complaint ID: 5992752
Company: Navy Federal Credit Union
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: North Carolina
ZIP Code: 28562
Date Received: 2022-09-18T12:00:00-05:00
Date Sent to Company: 2022-09-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
This is about the XXXX XXXX XXXX initiated on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX With ( Navy Federal Credit Union ) executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any form information in any for. The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. In the above-mentioned XXXX XXXX XXXX , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e. XXXX, XXXX & XXXX ). According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personally identifiable financial information 1. Provided by a consumer to a financial institution. 2. Resulting from any information with the consumer or any service performed for the consumer ; or 3. Otherwise obtained by the financial institution. Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. Therefore, as per the literal interpretation, the organization named XXXX, XXXX, XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. Navy Federal Credit Union has still violated the provisions of FCRA ( Fair Credit Report Act ). Under USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company ( Navy Federal Credit Union ) has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you to remove the below-mentioned information from my Consumer Report ; 1. Late Payments 2. Charge off etc.
Frequently Asked Questions
What is Complaint #5992752 about?
Complaint #5992752 was filed against Navy Federal Credit Union regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2022-09-18T12:00:00-05:00.
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.