Consumer complaint received 2018-07-06
Company: Navient Solutions, LLC.
State: AL
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX Navient Account Partial numbers : XXXX .... 
XXXX .... 
XXXX .... 
Soc : 3XXXX information requested by company XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Navient XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX No Phone Number Listed Re : Disputing error [ s ] on credit report Dear Navient, I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX  ] consumer report : Dispute 1 I have sent letters to Navient pointing out the inaccuracies on all 3 of these accounts with all 3 of these partial account numbers - XXXX .... 
XXXX .... & XXXX .... despite the many attempts to have these accounts removed or updated, Navient has refused to update or remove these accounts that are now paid in full & also closed. 
These are multiple accounts with Navient in my name- ( XXXX XXXX XXXX ) name & the first 2 being reported as opened on XX/XX/XXXX & the 3rd one as of XX/XX/XXXX as 3 education loans & are listed as first reported on XX/XX/XXXX to all XXXX consumer reports on my [ XXXX , XXXX  , XXXX  ] The report show several inaccuracies stating that in XXXX through XXXX of XXXX that show 2 months that are reporting ( OK 's - Current/terms of agreement met ) & 4 months showing ( ND- no data for this time period )? & in XXXX of XXXX all 3 accounts are showing closed? As stated above I currently owe no money on  any of these 3 student loan accounts & all 3 are showing paid in full, but yet & still are reporting inaccurate late payments??? All 3 accounts have the same Inaccurate payment history & in XXXX through XXXX of XXXX these accounts are reporting once again 6 ( OK 's - Current/terms of agreement met ) & 2 ( ND- no data for this time period ) & all 3 accounts for XXXX show that staring in XXXX of XXXX that I was Supposedly Inaccurately late 90 days??? My dispute on all 3 Accounts listed above is specifically, how can My accounts with Navient be reported as ( OK 's - Current/terms of agreement met ) XXXX Through XXXX which has 31 days of XXXX & all of a sudden in XX/XX/XXXX which only has 30 be reported as 90 days late??? How & why are these accounts being reported 90 days late??? I am attaching a copy of this proof that all 3 of these accounts are inaccurate & need to be removed immediately. These 3 Navient student loans listed all show several periods of inaccurate delinquencies of 90 days or more, when I actually had been paying on time as agreed as stated in the prior months reported. The same inaccuracies are being reported as 90 days late on all 3 accounts in XXXX of XXXX when I was reported as ( OK 's - Current/terms of agreement met XXXX in the prior month of XX/XX/XXXX which was only 30 days & XXXX of XXXX which was also 30 days??? How & why are these accounts being reported 90 days late??? 
The same inaccuracies are being reported as 90 days late on all 3 accounts in XXXX of XXXX when I was reported as ( OK 's - Current/terms of agreement met ) in the prior month of XX/XX/XXXX which was only 31 days & XXXX of XXXX which was also 30 days??? How & why are these accounts being reported 90 days late??? 

I am including copies of supporting documentation from the most recent credit report that Navient is still refusing to update or remove these XXXX accounts despite proof that these 3 accounts are still reporting inaccurately Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX

Company response to consumer: Closed with explanation