Consumer complaint received 2021-05-10
Company: Navient Solutions, LLC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have now disputed this with XXXX  and XXXX on several occasions and neither of them resolved this issue. I filed a separate complaint with CFPB against both of them, which didn't yield helpful results in fixing this issue. I've personally written Navient ( through their website, several times ) to discuss this as well. I've never received a response from them in over a year. 

Navient has reported to the 3 major bureaus that I had fallen behind on payments on 9 of my student loans. So, each individual credit report displays both 90 and 120 day marks 9 different times. 
More specifically, the 90 and 120 markings for each of the 9 loans are placed under XXXX and JXX/XX/XXXX, which suggests that I was 90 days behind on payments in XX/XX/XXXX and 120 days behind on payments in XX/XX/XXXX. 
This turned these 9 loans into adverse accounts on my credit reports. Further, these derogatory markings were deliberately placed on my reports to suggest to other creditors that I was not paying as agreed upon and that I was not current on my payments. This has caused all sorts of barriers for me in multiple areas of my life, as it's been 4 years and 11 months since Navient first reported this information. 

The big issue with all of this is that I have never made a late payment on these loans. Ibe never fallen behind on them. These loans were always placed in deferment or forbearance until consolidated in XX/XX/XXXX. Interestingly, I have other federal loans that were all on the same course as these 9 and all went back into repayment at the same time after graduating college and the 6 month grace period expiring. I'm unsure how 9 loans defaulted but the others did not. 

This next part is what I find to be particularly peculiar. 

Each of the 9 loans show that I was current on my payments in XX/XX/XXXX, just one month before I allegedly became 90 days late on payments. They also show that I was current on my payments inXX/XX/XXXX, 2 months before I allegedly became 90 days late on payments. 
Not 1 of the 9 loans on any of the 3 major reports show any indication that I was ever 30 or 60 days past due on payments. 

So, how did my payment history suddenly become 90 days past due on 9 different loans? 

Not one of the many employees I've spoken with from XXXX, XXXX  or XXXX can answer this question. 
Yet, somehow, after countless calls, speaking with customer service representatives and supervisors, multiple direct disputes online with the 3 bureaus, disputes put forth through XXXX XXXX and having already filed 2 complaints with Comsumer Financial Protection Bureau, these misleading and outright false markings remain on my credit reports. 

Every time Navient has been investigated regarding this matter, I get the same response : Navient verified the information im disputing on my report as accurate. Case closed? I'd like to know who is doing the investigating then and if it is actually even occurring because after the " results '' come back, I'm not entitled to see how Navient responded. 

I'm concerned about the system here because I've been told several times now that for this information to come off, I am the one who needs to provide documentation as evidence. 

So, a company working directly with our federal government falsely reports misinformation about one of it's consumers for 5 years, depicting them as unreliable, irresponsible and uncreditworthy in a report read by people who quite literally use that information to dictate the most important areas of the consumer 's life ... 
... and when the the consumer discovers this defamatory reporting, they're the one that has to prove their innocence? 

Something is not right there. If that's the case, this system is broken. 

I am asking here because a supervisor at XXXX verified that as accurate. 

I have attached screenshots from my XXXX credit report of the 9 loans and how it shows I was late in XXXX and XX/XX/XXXX. 
These screenshots are a clear and total representation for XXXX, only. 
These screenshots are meant to be a representation for context purposes relating solely to the 90 and 120 markings for XXXX and XX/XX/XXXX for XXXX and XXXX reports. 

Thank you for your time.

Company response to consumer: Closed with non-monetary relief