Consumer complaint received 2023-08-23
Company: Navient Solutions, LLC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX Navient Accord & Satisfaction XXXX XXXX XXXX XXXXXXXX PA XXXX Account Number : XXXX Dear Sir or Madam, Please review and respond to each consumer violation listed below. This letter is in reference to two late payments remarks.. The account number is Loan Account Number : XXXX, loan number XXXX Notice was received less that's 21 days before due date the loan was NOT processed correctly in accordance to Credt LAW 15USC 1666b. Notice was not properly delivered within the proper timeframe. A RETRACTION IS REQUIRED IN ACCORDANCE TO THE LAW. A creditor may not treat payment on a credit card account under an open 317 end consumer credit plan 15 USC 1666B ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.15 USC 1666Bla ) 156 A creditor may not treat payment on a credit card account under an opens end consumer credit plan Your company is in clear Violation of the law. Under 15 USCI16846 - permissible purpose of cont reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions fre- con credit report clearly states : AVC ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consume include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the con and the person making the report. 
XXXX Delete the above late payments from my consumer report, this agency is in violation o

f 15 USC 16 CONSUMER LAW 15 USC 6802B.THE OPTION TO OPT OUT FROM from credit option was not presented this another violation that warrant retraction ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties no- tified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dis- pute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dis- pute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolu- tion of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delin- quencies were initially reported. ( Pub. L. 90321, title I, 162, as added Pub. L. 93495, title III, 306, XXXX XXXX XXXX 88 Stat. 1513. ) 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a cred- it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay- ment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in- curring an additional finance charge, such addi- tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. A response and correction are required within 10days, XXXX XXXX

Company response to consumer: Closed with explanation