Product: Student loan

I am writing to formally file a complaint against Navient Corporation ( " Navient '' ) for its violations of the Consumer Financial Protection Act ( CFPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ) in connection with my student loan account.

I. Violation of the Consumer Financial Protection Act ( CFPA ) Navient has engaged in unfair, deceptive, and abusive practices that have caused significant financial harm and emotional distress. Specifically : Misrepresentation of Loan Terms and Repayment Options : Navient provided me with incorrect and misleading information regarding the repayment terms of my loan, which resulted in confusion and an inability to properly manage my debt. 

Failure to Properly Apply Payments : Despite making timely payments, Navient has misapplied or failed to credit these payments correctly, leading to inflated balances and unwarranted fees. 

Unlawful Servicing Practices : Navient has failed to provide adequate support, transparency, and information on available repayment programs, particularly income-driven repayment plans.

These actions violate the CFPA 's prohibition against unfair, deceptive, or abusive acts or practices ( UDAAP ) as outlined in 12 U.S.C. 5531.

II. Violation of the Fair Credit Reporting Act ( FCRA ) Navient has also violated the FCRA ( 15 U.S.C. 1681 ) by failing to ensure accurate reporting of my account status to the credit reporting agencies. Specifically : Inaccurate Reporting : Navient has inaccurately reported my loan as delinquent despite timely payments, resulting in derogatory marks on my credit report that have caused me financial and reputational harm. 

Failure to Correct Errors : After notifying Navient of these inaccuracies, the company has failed to investigate and correct the erroneous information within the required time frame. 

Lack of Proper Notice : I have not received proper notice of the reporting or the ability to dispute the inaccurate information before it was reported to credit bureaus. 

These violations have severely impacted my credit score and ability to obtain new credit, in direct violation of my rights under the FCRA.

III. Violation of the Fair Debt Collection Practices Act ( FDCPA ) In addition to the above violations, Navient 's debt collection practices have also violated the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), including but not limited to the following : Harassment and Intimidation : Navient representatives have engaged in aggressive, harassing, and intimidating collection tactics, including repeated phone calls and threatening language. 

False Representations : Navient has falsely represented the amount owed and the legal status of the debt, causing confusion and distress. 

Failure to Validate the Debt : Despite my requests, Navient has failed to provide proper validation of the debt as required under the FDCPA. 

These actions have caused me undue stress, financial harm, and emotional distress, and constitute clear violations of the FDCPA 's protections against unfair and abusive collection practices. 

Conclusion and Demand for Relief Based on the aforementioned violations of the CFPA, FCRA, and FDCPA, I am seeking the following relief : Immediate cessation of unlawful practices ; Correction of all inaccurate information on my credit report ; Recalculation of my loan balance and removal of any improperly applied fees ; Debt validation and proper application of all payments made to date ; Compensation for damages incurred as a result of Navient 's unlawful practices ; Any and all other relief that I may be entitled to under federal and state law. 

Principal Loan Amount ( XX/XX/year> ) = {$54000.00} Accrued Interest = {$39000.00} Thank you for your immediate attention to this serious matter.