Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX consolidated my student loans In XX/XX/XXXX. Navient sold account ( s ) were sold to XXXX XXXX XXXX. Ive been paying between $ XXXX- $ XXXX monthly since XX/XX/XXXX and Navient has reported me late 30-180 days multiple times since XX/XX/XXXX. Im disputing this. ( XXXX XXXX XXXX ) Lack of PaymentsI paid them monthly over a period of 5 years at a rate ranging from $ XXXX- {$49.00}. These payments totaled to Approximately $ 4500+. It was my understanding that the payments I was making was going toward my student loan Repayments and Interest. As a result I accrued an additional interest of {$5000.00} + and 4 plus years of Extreme Negative Credit Reporting ( 90-180 days past due and more ) My credit has suffered SEVERELY and as a result I am unable to apply for loans, and purchase a home etc. 

XX/XX/XXXX We are approaching the deadline to renew your repayment plan for year two. Each year we must reapply for the correct repayment plan in order to ensure that we are making your monthly student loan payments as affordable as possible. In order for us to do this effectively, we need some information from you : most recent tax return, your two most recent paystubs, drivers license ( if you have changed your name ), and family size. Providing us with this information in a timely manner will insure that we are able to submit your application to the correct repayment program on time. 
If we do not receive this information, it will result in your repayment program defaulting to a standard 10 year plan. This could increase your payment drastically as you will be expected to pay your full loan balance within the next ten years. If you don't want your payments to increase please submit your updated information as soon as possible. 
We look forward to managing your loans in year two using our expertise to keep your payment as low as possible. 
Please contact us as soon as possible at XXXX so that we may answer any questions that you may have. 
Best Regards, XXXX XXXX XXXX XXXX P : XXXX F : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  XX/XX/XXXX I need this months payment on the XXXX   postponed and I need to speak with you about where my payments have gone to over the past 5 Years. A formal document Sent from my XXXX  ( my response to the email sent to me, which never received a response or a formal letter sent telling me where my money has/was being applied to. ) On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX   <XXXX> wrote : Valued XXXX  Customer , XXXX is reaching out to you today in order to obtain your income verification to complete your Student Loan Consolidation. If you have already sent your income in it was either not legible, outdated or a form we cant except. 
There are several options you may submit for your income verification. If you are a W2 employee you may submit 2 current pay stubs ( 30 days or less ) or your tax returns to proceed. W2 's will not be accepted by the servicers. If you are self-employed or unemployed you can write a letter stating your status, full name, address, phone number, birth date, social security number and a live signature ( with Ink ). If you are self-employed include the annual gross income in your letter. If you collect Disability or social security please submit your SSI awards letter or you Letter of Disability. 
It is very important that you get your income verification to XXXX   immediately as this will hold up the program placement phase of the process. This portion of the process solidifies the new consolidated payment for the new 12 months. The program placement phase is the final step of the process. 
You can email your verification to XXXX or fax the necessary documents to XXXX. You will get an email confirmation once received and reviewed. 
If you have any questions respond to this email or give XXXX  a call at XXXX. 
If you have already sent your income verification there is a chance the documentation is not legible, incomplete, too old, etc ...