Pentagon FCU Consumer Loan Complaint

Pentagon FCU Consumer Loan department,

Vehicle loan Problems when you are unable to pay Oklahoma

The creditor Pentagon Federal Credit Union ( aka PenFed ) continues to incorrectly report an account ( - ) on - of my credit bureau reports ( - and - ), even after multiple disputes to have them correct this for the last two years. This closed account is from a former automotive loan. The vehicle was repossessed in - - and went into charge-off status in - -. Further, the date of first deliquency was in - -, and is now or will be 7 years of age shortly, and should be removed from my credit bureau reports already, if not soon. Over the last two years, I have spoken with several individuals at PenFed, including a supervisor, - -. Each time they agree that it is reporting incorrectly, and each have stated they would get it corrected. - - has not responded to my calls nor voice mails for weeks now.


account as agreed '' and shows no former negative account activity. Neither - nor the creditor notified me of this reinsertion per the FCRA law ( which states they have 5 days to do such ). As of - -, -, I 've disputed this with - based on that law, and - has opened another investigation. I 've attached -/-/- reports direct from - and also from - showing that this account was not listed under my - -, as well as a -/-/- report from - showing it has been reinserted under -. - : I 've attached a - - report from - showing the account is " Open '', was late in - -, a repo in - -, and a CO ( charge-off ) in - -. You 'll see on the same report that PenFed changed the dates on the CO to - -, then to - -, yet reporting " OK '' many times over the years. This - - report shows " By - -, this account is scheduled to go to a positive status ''. I 've also attached a - - report showing the payment history as completely different than the - - report. It shows COs of - -, - -, and - -, which do not match the same COs from the - - report, nor does it show the CO from - -, nor any of the - account data as just discussed from the - - report. Each time an " OK '' or " CO '' is reported it changes the active status of the account and moves the date of positive status or deletion in the credit file to an additional plus approx. 7 years. This - - report shows " This account is scheduled to continue on record until - - '', also different. - : On my - -, - - report, you 'll see this account is listed in my - data. However, you 'll see in my - - -, - report showing this account was deleted ( see the bottom of page - of the report ). You 'll also see that it has not showed back up in my - - report. I 've also attached a - - report showing the same - and early - proper account history data, which compares correctly to the - - - report. Summary : - - : The data should only show that this account is closed and a charge-off, that it went 30 days late in - -, an " R '' ( repossession ) in -/-/-, -/-/-, -/-/-, and - -, and then a CO ( Charge-Off ) in - -. It will be 7 years from date of first deliquency as of next month, and should be fully removed no later than then, if not already, just like it has already been removed from my - data. - - : Per the FCRA law, this account was reinserted into my - data without proper notification to me, and should be promptly removed. - - : This account was already removed from my - data, so no further action there needs to be done.