Consumer complaint received 2022-06-10
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient had gotten 5 of my student loans from the Department of Education. First and foremost, I have spoken at length with the Department of Education on this matter and they have confirmed that Navient had a duty to notify me that my student loans had been placed with them, which they did not. The way I found out about this was I got my bankruptcy discharged in XXXX of XXXX and was looking through my credit report and found they had reported five accounts as being 90 days or more past due. At that time I initiated calls with them to correct my report as I was never notified that I was late on a payment much less that they were the servicer. During my bankruptcy filings they reported to the credit reporting agencies that my accounts were flagged for bankruptcy and my balances were XXXX which I have enclosed one of those notices from XXXX but could produce all of them if needed by the CFPB. Moving forward to XXXX of XXXX because of being determined to be XXXX percent XXXX by the Department of Veterans Affairs I initiated a disability loan forgiveness petition with the Department of Education that I provided all of the information required by them, they investigated, and approved. From that point in XXXX I spoke with the Department of Education and was informed that all of the loan servicers had 90 days to discharge those loans. By XXXX all of the loans were already discharged and reported as such on my credit report except for the loans from Navient. Being naturally curious why all but those were taken care of except the ones from Navient I called them around the if not on XXXX of XXXX ( and I invite the CFPB to request that conversation as I was told by Navient it was recorded to prove this statement is accurate ) and discussed the matter with them where they told me that they were waiting for to guarantor to finish their end of the paperwork but it would be finished before the 90 day period. I told them I would be calling back after that 30 day period, which would have been the XXXX of XXXX to ensure everything was taken care of properly. Before I was able to call them back on the XXXX of XXXX they had already reported me to the credit bureaus as missing a payment on loans that they knew was already approved for discharge and I had spoken with them about the prior month. So they willfully and with malice reported information to the credit bureaus they knew XXXX percent was false. That not withstanding, I was curious how they were reporting on accounts that they had already flagged as XXXX balance to the credit report agencies due to bankruptcy. That is something that I will be posing to the XXXX XXXX XXXX of West Virginia as well but, it is still an important part of this complaint that the CFPB should be aware happened. My credit score before this began made it to within points of XXXX and just on their flagrant actions caused my score to drop XXXX points for which it has still not recovered to this day. So they have willingly and wrongfully injured my credit score as I should be well in to the XXXX by now as I have not missed a payment on any account since this incident which means my credit score would have increased over that time had it not been for their defamatory and willful slander. I will be happy to provide copies of my credit report and any other documents the CFPB should require to substantiate this complaint. Thank you.

Company response to consumer: Closed with explanation