Consumer complaint received 2018-05-01
Company: Navient Solutions, LLC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern : I am writing to report conflicts on my Credit Report by Navient, the Department of Education Loan Servicer. I started college at XXXX University in XXXX XXXX Michigan with the first loan started in XX/XX/XXXX thru XX/XX/XXXX. I graduated with a XXXX XXXX XXXXXXXX XXXX in XX/XX/XXXX. My loan payments were on a grace payment for 6 months which brings the first payment due in XX/XX/XXXX. I was continually in school for 3 years. The loans should all have the same information reported due after the 6 month waiting period. 

I had delayed my payments with deferments and forbearance payments due to the economic downturn when I was on unemployed. The next phase was helping to send all XXXX children to school and helping them pay for college. I am in the process of consolidating my education loans and in reviewing my credit report, there is a some very confusing inaccuracies. 

The dates provided show different historical accounts for the same date range period reported. 

XX/XX/XXXX XX/XX/XXXX - 2 different counts of over 90 days. 1 states 11x and another states 13x XX/XX/XXXX XX/XX/XXXX - 2 different counts of over 90 days. 1 states 10x and another states 6x XX/XX/XXXX XX/XX/XXXX - 2 different counts of over 90 days. 1 states 13x and another states 11x XX/XX/XXXX XX/XX/XXXX - 6 x over 90 days XX/XX/XXXX XX/XX/XXXX 6x over 90 days XX/XX/XXXX - XX/XX/XXXX - 6x over 90 days XX/XX/XXXX XX/XX/XXXX - 6x over 90 days XX/XX/XXXX XX/XX/XXXX - 2 different counts of over 90 days. 1 states 11x and another states 13x XX/XX/XXXX XX/XX/XXXX - 6 x over 90 days XX/XX/XXXX XX/XX/XXXX - 0 x When you review, for  example, how can I have XX/XX/XXXX XX/XX/XXXX have 11x and 13x late counts, but then you  have XX/XX/XXXX XX/XX/XXXX with 6x late. 

Also, why are they only reporting late payments after 90 days, there is no count for 30 or 60 on my report.

I have 17 different loan pulls from the period of XX/XX/XXXX thru XX/XX/XXXX. They have 28 different trended data on my credit report. These loans are all under one account and are all due on the same date. I have always called in when the dates are due for review. Navient just recently sent me an email stating We noticed that you aren't receiving important information electronically.In one click, you canchoose eDelivery and start receiving I am currently requesting a consolidation loan because they are so confusing with their deferment/billing process. I am requesting that all negative information on my credit report be removed by Navient. I was on a deferment or forbearance during this time frame. My deferment is now until I receive the consolidation loan until XX/XX/XXXX. 

I have contacted Navient, Department of Education and they will not work with me. I have contacted the 3 Credit Reporting Bureaus. They have been in contact with them and some of them have been corrected, but not all. I can not trust any of their reporting because it had different dates for the same account and it is ruining my credit. 

I would truly appreciate if you can assist me in this process. I am trying to repair my credit so that I may secure a future mortgage. I am also attaching a copy of the information on my credit report with examples of Navients inaccurate reporting.

Company response to consumer: Closed with non-monetary relief