Product: Student loan

My rights, as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 ( b ), have been blatantly disregarded, leading to significant personal and financial distress. 

Despite my repeated attempts to rectify these inaccuracies, including direct communication and provision of evidence to your the credit reporting agencies, the wrongful information persists. Under the FCRA, you are obligated to conduct a thorough and reasonable investigation of disputed information upon receipt of a consumers dispute. Failure to do so, as evidenced in my case, is a direct violation of 15 U.S. Code 1681i ( a ). 

I have never knowingly entered into any agreement or contract with Navient or XXXX, nor with any entities they claim to represent. The documentation provided by Navient in response to my request for proof of debt was grossly inaccurate, containing personal information and a name not attributable to me. This is a clear violation of 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Moreover, XXXX has completely neglected to respond to my requests for validation, further exacerbating the issue. This non-compliance is an infringement of my rights under the FCRA and demonstrates a lack of due diligence required by law. 

The ongoing misreporting of my credit history has led to significant financial loss, reputational damage, and emotional distress. This situation is further compounded by the fact that I have been a victim of identity theft, a circumstance that has been aggravated by the widely reported XXXX data breach. Despite providing substantial evidence to support my claims of identity theft, as required under 15 U.S. Code 1681c-2, my documentation has been repeatedly overlooked for 2+ years now. I have compiled multiple certified green receipts between these companies showing proof that I have repeatedly mailed via USPS documentation proving these accounts to be inaccurate, incomplete and not mine yet Navient and XXXX continue to willfully report this false information on my CONSUMER file. 

To date, the resolution of disputes I filed, most recently on XX/XX/, has been grossly mishandled. Notices from XXXX, for instance, declare the account in question as certified by Navient and XXXX without providing requisite proof. This approach not only contravenes the FCRA stipulations for accuracy and verification but also my rights under the Consumer Credit Protection Act ( CCPA ), which emphasizes fair and respectful treatment of consumers in the credit marketplace. 

The negligence exhibited by your organizations in handling my credit information is a clear violation of the FCRA, particularly sections pertaining to the accuracy and integrity of credit reporting ( 15 U.S. Code 1681e and 1681i ). This negligence has cost me time, money, and a significant detriment to my financial reputation and enjoyment of life. 

Consequently, I demand the immediate and complete removal of all false information from my consumer file pertaining to the alleged accounts. Should this issue not be resolved promptly and satisfactorily, I am prepared to escalate this matter by filing formal complaints with the Federal Trade Commission ( FTC ), the U.S. Securities and Exchange Commission ( SEC ), the XXXX XXXX XXXX, the federal Bureau of Investigation, ( FBI ) and pursue legal action in the appropriate civil courts. 

I expect a written response confirming the rectification of these inaccuracies and a detailed report of your investigation findings, sent to me via the United States Postal Service, as a matter of urgency and legal compliance. 

Once again, I do not, nor have I ever had a loan or a contract with Navient or XXXX and am requesting a copy of the original contract in question, signature and ID used to verify the identity of the individual Navient and XXXX claim owe them. I demand a copy of the alleged contract with my signature on it the displays my information, signature and ID and if no such contract can be produced, I demand that these fraudulent accounts be removed from my CONSUMER file immediately.