Business ProfileforConsumers Credit Union

Despite my repeated attempts to engage with CCU, I have been met with silence for over 50 days. after sending them legal notarized documents and affidavits. This disregard for communication represents a flagrant violation of the Fair Credit Reporting Act for response (FCRA) 15 USC 1681n, which mandates timely responses to consumer inquiries. CCU's failure to validate the debt within the specified timeframe and their continued reporting of inaccurate information to Experian and equifax exacerbate my financial and emotional distress. While TransUnion has acknowledged and removed the disputed information from my credit report, Experian persists in reporting the account as "Verified and Updated," despite my provision of certified legal documents and affidavits to CCU. This inconsistency in reporting further compromises my financial standing and has dire consequences for my efforts to rebuild my life.I dispatched a certified letter to CCU on February 22, 11:20 AM, with tracking number: 9589 0710 5270 1402 6384 76. This letter was received at their headquarters in *********, **, as confirmed by the returned green receipt with number **********************, delivered to me on March 1, 2024.Under the ***** I am entitled to monetary compensation for CCU's willful violations. As stated in 15 USC 1681n, I demand appropriate compensation for the damages incurred, which can be not less than $100 and not more than $1,000, or greater if determined by the severity of the violations.As per 15 USC 1602(g) and 15 USC 1602(l), I supplied the credit card and participated in the decision to extend credit, thereby questioning my indebtedness. How can I owe on something when I provided the credit card, i.e., my social security number?Ccu has failed to respond. they failed to supply me a 1099-C after i requested over a year ago of the charged off debt, they failed to return any wet inked contract between us. i've been homeless over the past two years and unable to get any loans.