Date Received: 2023-01-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to delete and correct the following information in my file. I HAVE REACHED OUT NUMEROUS TIMES PERTAINING THIS MATTER IN THE PAST FEW MONTHS!!! XXXX, XXXX AND XXXX ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION ON MY CREDIT REPORT. ACCORDING TO TH FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY LAW TO VERIFY, THROUGH THE PHYSICAL VERIFICATION THE ORIGINAL SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU REPORT ON A CREDIT PROFIL. OTHERWISE ANYONE PAYING FOR YOUR REPORTING SERVICES COUL FAX, MAIL, OR EMAIL IN A FRAUDULENT ACCOUNT. I demand to see verifiable proof ( i.e : and original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. I demand that the following accounts be verified or removed IMMEDIATELY!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19401
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Dear CFPB & FCRA, I am submitting an complaint in regards to my previous complaint # XXXX with Navy Federal Credit Union XXXX XXXX Mortgage Solutions as it relates to complying and resolving my problem with applying for a Conventional Home Mortgage, the issues still remain. Navy Federal has assigned me to several loan and resolution officers forcing me to have serval different conversations of instructions, XXXX XXXXXXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX after I clear presented in several written statements my disadvantages and need to use and apply my reasonable accommodations moving forward with my loan process, since the last submitted complaint I have been sent emails from different people as well as direct back to loan officer XXXX XXXX XXXX # XXXX for any issues regarding my loan. I am being giving different instructions by each and have become overwhelmed with XXXX as I am a XXXX patient and have been XXXX so to the high amount of XXXX & stress with the purchasing of a home as a first time home buyer. Navy Federal Credit Union has brought great confusion to me triggering my XXXX XXXX XXXX XXXX XXXX They have also not processed other resolution requests to dispute the negative personal and inaccurate information reporting on my credit due to their lack of evidence and investigation to help resolve these issues, not to mention when I started this home buying process back in XXXX of 2022 my credit scores were excellent and have been sabotaged & deceptive throughout this whole process. According to the Fair Housing Act, Equal Credit Opportunity Act, and the CFPB and FCRA consumer protection it is illegal to discriminate against anyone seeking to obtain a mortgage, home equity, loan to build, repair, or improve a home based on, because of race or XXXX, religion, national origin, XXXX, marital status, age, XXXX XXXX XXXXXXXX ) and received income from any public assistance program and familial status. It is also against the law to discriminate and deny the rights of individuals with disadvantages under the XXXX XXXX XXXX the right to use any reasonable accommodations in m aiding them with work, school and any explanation orientation regarding discussion of patient information to reinforce any important topics. Because of the blind communication between several loan officers and Navy Federal agents, therefore I am demanding a resolution to work with a well experienced agent that is knowledgeable about the home buying process for first time home buyers for the duration of this loan at the Navy Federal Credit Union Branch in my local area at XXXX XXXX, Unit XXXX, The XXXX, Tx XXXX one on one particularly a woman who I can visually identify with and can walk with me in person step by step with consistency with great clear communication skills. The do not trust this previous agents as they have misguided me and disregarded my having disadvantages position and need. Please submit this request to resolve this resolution immediately. Respectfully submitted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was looking through my consumer report and noticed that an account with the account number listed XXXX is furnished by Navy Federal Credit Union on my consumer credit reports, as a charge off inquiry. Navy Federal cant report something as both income and debt. Its illegal to furnish income on a consumer report, A charge off according to the Internal Revenue Service is income and Navy Federal must fill a form 1099-C ( please provide me with a copy ). Navy Federal Credit Union has furnished a deceptive form to create a false belief in me as a consumer by reporting information that resulted in defamation of my character, creating a false impression that I was unable to pay the alleged debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32207
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navy Federal has defamed my character.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've been working to resolve this issue since 2020. Ive sent communication letters to the creditors, and credit bureaus about me being a victim of identity theft. My information was involved in a few data breaches which resulted in true name fraud. Even with my taxes. To prevent that from happening again with IRS, I have an XXXX on my profile. As far as credit reporting, nothing stops the false reporting. This is preventing me from actually being able to fulfill my ongoing dreams, investments, and credit dreams.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: My financial information was shared with coworkers and trainers regarding a personal call I made to Navy Federal Credit Union inquiring about my personal account. That information was used to harras, bully, intimate, belittle and retaliate against me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate this is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21401
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Tried to close account and was told I could not unless going to a branch in person, I went to the branch to close the account and was denied closure due to security reasons and suspicious activity on my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Funds wasn report as a fraudulent transaction based on a contract that was breached and initially reversed back to my account. Several days later even after providing proof of claim the bank sent my funds back to the woman that fraudulently scammed the money from me. A police report was made as well as complaint filed with the FTC
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: 1. Navy Federal reported a late {$20.00} payment in XX/XX/XXXX going against 15 USC 1681a ( 2 ) ( A ) ( i ) FCRA, This made my credit score drop XXXX XXXX I called the company and asked them to remove it and they told me no.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A