DEPARTMENT OF THE NAVY 
BOARD FOR CORRECTION OF NAVAL RECORDS 
701 S. COURTHOUSE ROAD, SUITE 1001 
ARLINGTON, VA 22204-2490 

Docket No. 2539-18 

This is in reference to your application for correction of your naval record pursuant to Title 10, United States Code, Section 1552. After careful and conscientious consideration of the entire record, the Board for Correction of Naval Records (Board) found the evidence submitted was insufficient to establish the existence of probable material error or injustice. Consequently, your application has been denied. 
A three-member panel of the Board for Correction of Naval Records, sitting in executive session, 
considered your application on 

The names and votes of the members of the panel will be furnished upon request. Your allegations of error and injustice were reviewed in accordance with administrative regulations and procedures applicable to the proceedings of this Board. Documentary material considered by the Board consisted of your application, together with all material submitted in support thereof, relevant portions of your naval record and applicable statutes, regulations and policies. In addition, the Board considered the advisory opinion (AO) by        ,which a copy was previously provided to you for comment. 

You requested that your "educational debt to be recalled from the US Treasury back to DFAS, with the administrative fees charged by the US Treasury reversed, & for the federal default, initiated by DFAS as the creditor, to be removed from my credit report." Your application further alleged that "After receiving notice and signing paperwork that I would repay my indebtedness to the Navy monetarily, I was provided no notice that an account in my name was opened by DF AS, or when, where, or how to pay the account. Eventually, the account was transferred to the US Treasury for collection by their private agency collection service, of which I was also provided no notice .•. " 

The Board, in its review of your entire record and application, carefully weighed all potentially 
mitigating factors, to include your assertions. However, the Board concluded that you provided your mailing/forwarding address [2004 NW 21 ST ... ] on the Naval Reserve form (NSTC 1533/123), which you signed and witnessed by your attorney. NSTC forwarded an authorization letter to Defense Finance and Accounting Service (DFAS) with your information to include the address you provided on the NSTC 1533/123, with the total amount authorized to be recouped for your educational expenses. In this connection, the Board substantially concurred with the comments contained in the advisory opinion. 

The Board has no jurisdiction over your credit report, you would need dispute such errors with the credit bureaus and/or agency that reported such delinquencies. 

It is regretted that the circwnstances of your case are such that favorable action cannot be taken. You are entitled to have the Board reconsider its decision upon submission of new matters, which will require you to complete and submit a new DD Form 149. New matters are those not previously presented to or considered by the Board. In this regard, it is important to keep in mind that a presumption of regularity attaches to all official records. Consequently, when applying for a correction of an official naval record, the burden is on the applicant to demonstrate the existence of probable material error or injustice.