Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023 Navient : XXXX XXXX XXXX Attn : Credit Bureau Management ( Disputes and Processes ) XXXX XXXX XXXX XXXX PA XXXX To Whom It May Concern : In accordance with The Fair Debt Collection Practices Act ( FDCPA ), I am writing to dispute the following information that your company supplied to XXXX, XXXX and XXXX Credit Bureaus ( CB ) associated with Navient Account XXXX. Please see Exhibit 2, which are copies of the 3 credit reports from these agencies that include the disputed item ( s ).

Multiple item ( s ) claiming ( 90 days late ) ( XXXX ) is inaccurate and should be deleted immediately from all credit reporting due to the enclosed evidence which supports that Navient was fully at fault due to their systems inability to accept payment from a valid checking accounting via check, phone transfer, or wire ( ACH ) from a verified banking institution, The United States XXXX XXXX XXXX XXXX ( XXXX ) for a period of 6 months XXXX XXXX XXXX XXXX XXXX when account was finally resolved and linked. Although repeated attempts were made by me as the account holder and the XXXX to engage Navient customer service to provide and validate banking information for payment ( See Exhibit 4 : Letter to Navient ), Navient wrongfully reported missed payments to these credit bureaus during the aforementioned time period. This wrongdoing is evidenced by the letter from Navient dated ( XX/XX/2023 ) ultimately documenting the verification of the banking information in their system after 7 months ( See Exhibit 6 ). 
Please be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. I have disputed this debt, therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, as you have already reported this information to these Credit Bureaus, you are required to immediately inform them of my dispute while an investigation occurs. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. 

To support this request, please find enclosed copies of the subject credit reports and supporting documentation, including repeated attempts to make payment and seek resolution from Navient to accept payment from a valid checking account from a verified banking institution. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item immediately. 

We believe these accounts and the blemishes should be corrected immediately and expect notification from your institution along with the major credit bureaus we also expect an interest that accrued during this time to be forgiven or paid toward the interest of the remaining loads. 

Sincerely, XXXX XXXX XXXX Enclosures : - Exhibit 1 : Personal check ( s ) written from a valid checking account to Navient requested payment on loan, dated XXXX, {$2200.00} ( see photo copy ), XX/XX/2023 Amount : {$1100.00}. Finally, XXXXCheck Accepted and Account in place for {$770.00}. 
- Exhibit 2 : Credit reports from XXXX, XXXX and XXXX ( see credit transcripts for dinged negative credit payments ) - Exhibit 3 : Copies of correspondence from Navient to Self payments not being accepted. Ie more attempts to pay back loan agreements only to have your agency reject both my accounting & routing numbers and their subsequent amounts for payment. 
- Exhibit 4 : Correspondence to from XXXX XXXX to Navient, dated ( seeking resolution in validating banking information in Navient system - Exhibit 5 : Navient receipts with paid checks that were NOT accepted by XXXX bank subsequent phone calls made to your agency to rectify said errors. ( See attached XXXX Statements showcasing repeated calls throughout XXXX  year to your customer service representatives to resolved debt ). 
- Exhibit 6 : Letter stating account has been confirmed after 7 months of correspondence. Amount {$770.00} -Exhibit 7 : Phone Call 2 Loans PAID OFF using same account. ( Attached correspondence )