Navy FCU Mortgage Complaint

Navy FCU Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Maryland

I am writing you again for the - time because NFCU is continuing to report erroneous information to my credit profile. NFCU is attempting to report foreclosed information to my credit report after the 7 year reporting period by changing the date of delinquency on my accounts. The first date of delinquency is the date of my bankruptcy. After 7 years, NFCU is required by law to stop reporting on these account all together - the Fair Credit Reporting Act. They are also labeling these accounts as being open and active when they are bankrupted accounts and should be labeled as such. They have updated and re-aged the accounts in order to continuing reporting on it outside of the 7 year period. Any status regarding these accounts outside of the 7 year period should not be reporting. NFCU actions have caused my credit score to decline and increasing in my premiums for insurance and utility services. I have disputed these item with the credit bureaus and have sent correspondence directly to NFCU for correction only to have them corrected when under fire and re-reported a couple of months later. I am requesting that NFCU stop harassing me by means of the credit system. This is a deliberate act because they have been warned by me, my attorney, - and CFPB have sent them correspondence regarding this matter in the past. I am requesting that NFCU cease from reporting on any and all account included in my - 2008 bankruptcy and submit accurate account data to the - credit bureaus. This is my third and final request. Legal action will be taken - the FCRA. *They have also removed the account from my report in the past, but added it back after a few months.