Product: Credit reporting or other personal consumer reports

Navient, XXXX, also known as XXXX, is the borrower 's defense to repayment, which violates my rights under 20 USC 1232g, 34CFR 99, The Privacy Act of 1974, and The Educational and Privacy Act of 1974. 15 USC 6801-6805, 5 USC 552a , USC 15 6802, 16 CFR 313.7 Per FCRA as a Federally protected consumer, I am now opting out any and all authorization, I the consumer may have given you written, unwritten, verbal, and non verbal per 15 USC 8602. 


I was a XXXX  at XXXX XXXX. On XX/XX/XXXX, XXXX ceased operating on this date following a series of federal sanctions. The U.S. Dept of Education stated that students who took out federal student loans to attend XXXX XXXX as far back as XXXX will automatically have that debt canceled. My original contract was with XXXX XXXX and Navient. During that time, it was stated that my private information would not be shared. When the school was ordered to close, I filed a loan forgiveness with Navient in XXXX. I was told to wait several months while they reviewed and processed my claim. In XXXX, I called for an update on the status and was told they were still processing, but another company was taking over and their systems would be changing. In XX/XX/XXXX, I called back and was told that they could not find my original paperwork or claim and that I needed to file again. On XX/XX/XXXX, they sent a denial letter, and I was told that I needed to file a closed school claim. So on XX/XX/XXXX and XX/XX/XXXX, I filed another closed school claim. 

Once the largest servicer of student loans owned by the U.S. Department of Education, Navient no longer serves as one of the government 's student loan servicing contractors, transferring all student loans it once serviced to XXXX ( also known as XXXX  ) in late XXXX. 
I am writing to formally lodge a complaint against XXXX regarding the improper reporting of student loans on my credit report. These loans are associated with XXXX XXXX, a school that closed down, and should have been removed from my credit report in accordance with applicable laws and regulations. 

The loans in question were from my enrollment at XXXX XXXX, which abruptly closed down in XXXX. Under the regulations set forth by the Family Educational Rights and Privacy Act ( FERPA  ), specifically outlined in the United States Code ( USC ) Title 20, Section 1232g, and the corresponding Code of Federal Regulations ( CFR ), Title 34, Section 99, educational records, including student loan information, are protected and should not be disclosed to unauthorized parties or reported on credit reports without proper authorization or when they pertain to defunct institutions. 

XXXX 's continued reporting of these loans has had severe financial consequences for me. Because of this inaccurate reporting, I have been declined for personal and XXXX  loans that I otherwise would have been approved for. I had to file for bankruptcy twice a few years ago. This has caused significant financial hardship and unnecessary stress. 

I demand that XXXX, Navient, and the XXXX XXXX XXXX rectify this issue immediately by removing these erroneous loan entries from my credit report in compliance with FERPA and other relevant regulations. Additionally, I am seeking compensation for the damages caused by this violation, which has impacted my ability to access credit and financial opportunities. I want to be compensated for each transaction dated back to the time of my first loan forgiveness submission to Naviant in XXXX. I was violated, and this is unacceptable. I expect this and any student loans to be closed and removed. All loans should be paid as agreed. It's illegal to show recorded transaction history. My original contract was with Naviant. I did not give permission to share my personal information.