Credit reporting or other personal consumer reports — NAVY FEDERAL CREDIT UNION (AL)

Reporting company used your report improperly. According to IRS Publication 4681, canceled debt is considered a certificate of indebtedness and is also considered income. Income does not report on consumer reports. Navy Federal Credit Union and XXXX XXXX XXXX is in violation of 15 USC 1681a ( 2 ) ( a ) ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report. Navy Federal Credit Union is reporting {$16000.00} of canceled debt that is considered income and XXXX XXXX XXXX is report {$1300.00} that is considered income. Navy Federal Credit Union and XXXX XXXX XXXX is also in violation of the Privacy Act of 1974 and I revoke all authorization given verbal, nonverbal, written, or unwritten per 15USC 6802 and am now opti