Consumer complaint received 2019-04-10
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Complaint to the FTC / CFPB Re : Complaint # XXXX-XXXX, and XXXX-XXXX Re : XXXX XXXXSallie Mae-NavientXXXX XXXX Eccl : 5 PDFs ( included with the online submission ) XX/XX/XXXX To whom it may concern : On XX/XX/XXXX ( very early ), wanting to just solve this, I sent my statement to you using my bad English that had errors, and scans that I now realize were unreadable. I apologize for that. The help Ive received since then is reflected in this submission. Im sorry for any inconvenience I may have caused you. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I am an identity theft victim by the hand of my nephew, XXXX XXXX who illicitly got 5 student loans in XXXX & XXXX from his law school : XXXX XXXX XXXX, in California ( presently owing around {$65000.00} with accrued interest ) to Navient. 

I immigrated to America from XXXX XXXX when I was young ( in my mid-twenties ) and lived in my sister 's house for around 6 years ( XXXX XXXX XXXX, XXXX, CA ). Because my sister helped me to stay in the USA, I helped my sisters family by co-signing for their cars when they asked for help because of their bad credit. 
From that access, XXXX stole my ID and forged my signature to get his 5 student loans from XXXX XXXX XXXX and lied on all 5 of his 5 loan applications listing his mom 's business as my job, and her residential address and her phone number as mine. XXXX XXXX forged my signatures on all 5 of his loan applications, and on two of them, got my birthdate wrong. Anyone who desires to look can easily see that the signatures on the documents are not mine. Sally Mae, however ( now Navient ), preferred to believe a highly trained smooth talking professional liar/lawyer over the evidence which I presented several times, probably because my English was so bad, and my emotions were so high. Heres the evidence I sent them : 1 ) Two police reports plus one additional supplemental police report 2 ) A copy of my rental agreement proves that I was living at XXXX XXXX XXXX, in XXXX XXXX from XXXX through early XXXX ( not what XXXX wrote, XXXX XXXX XXXX, XXXX on his loan application forms ). Please note that the attached rental agreement copy is for the same time period that XXXX XXXX forged the loan applications. XXXX XXXX a XXXX  in XXXX XXXX, was the owner of the rental property, you may verify this with him.

3 ) Notarized copies of my signature, contemporary with the forgeries, show how different my signature was from his forgery.

4 ) My credit history, which XXXX added to ( altered ) during XX/XX/XXXX-XX/XX/XXXX. He added his XXXX middle name, his old phone numbers & address in XXXX and XXXX to cover his tracks to make it look like it was mine on my credit history. ( This is a lawyer who weaponized his knowledge against his victim ).

5 ) Also, I was a XXXX XXXX XXXX at XXXX - I was not working, but XXXX XXXX wrote that I was working for his moms company making {$7000.00} a month on his 5 loan applications. To verify this, you may check my IRS records, and my XXXX school records. 

Ignoring all this evidence, Navient has continued to pursue me from XXXX to the present. XXXX stopped making monthly payments when the 10-year statute of limitations ran out, which I knew nothing about. Thats when XXXX, the lawyer, purposely defaulted on his loans, knowing that I could no longer pursue him criminally. I learned this later from another lawyer. Ignoring all this evidence, Navient has continued to pursue me from XXXX to the present. Thats when XXXX, the lawyer, purposely defaulted on his loans, knowing that I could no longer pursue him criminally. I learned this later from another lawyer.

Company response to consumer: Closed with explanation