Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7098594
Complaint Overview
Complaint ID: 7098594
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: Information belongs to someone else
State: Georgia
ZIP Code: 30058
Date Received: 2023-06-10T12:00:00-05:00
Date Sent to Company: 2023-06-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Credit Dispute Letter - Account Numbers : XXXX and XXXX I am writing to dispute the accuracy of information reported by your agency regarding the accounts held with XXXX XXXX and Navy Federal Credit Union. The account numbers in question are as follows : XXXX XXXX - Account Number : XXXX Navy Federal Credit Union - Account Number : XXXX I have recently reviewed my credit report and found several inaccuracies and inconsistencies that directly violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly in accordance with 15 USC 1681N. Furthermore, I am formally requesting proof of ownership for these accounts. In particular, I have identified the following erroneous information and incorrect addresses associated with these accounts : Remove address from my report Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Erroneous Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I would like to point out that I have never resided at any of the addresses mentioned above. These inaccuracies are not only damaging to my creditworthiness but also violate the FCRA, which mandates accurate and up-to-date reporting. According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is your responsibility as a credit reporting agency to conduct a reasonable investigation into disputed items within 30 days of receiving a dispute. I demand that you promptly initiate a thorough investigation into these inaccuracies and provide me with the results. Furthermore, I request that you provide proof of ownership for both the XXXX XXXXXXXX and Navy Federal Credit Union accounts mentioned above. This includes any original account agreements, signed contracts, or other documentation that establishes my legal responsibility for these accounts. Failure to conduct a proper investigation, correct the inaccuracies, and provide proof of ownership within the time frame required by law will constitute willful noncompliance with the FCRA. As outlined in 15 USC 1681n ( a ) ( 1 ) ( A ), I reserve my right to seek damages of up to {$1000.00} per violation for any willful noncompliance. I kindly ask that you keep me informed of the progress made regarding this dispute. Additionally, I request that you provide me with a written response detailing the steps taken to investigate these inaccuracies, any corrections made, and the proof of ownership requested. Please note that I am prepared to take further legal action, if necessary, to protect my rights under the FCRA. However, I trust that it will not come to that, and that you will rectify the inaccuracies promptly. Thank you for your immediate attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #7098594 about?
Complaint #7098594 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 2023-06-10T12:00:00-05:00.
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.