Consumer complaint received 2017-08-31
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
and a Master Promissory Note. I proceeded to state that I did not receive any documentation validating that how the creditor proved identity throughout the loan process, the documentation validating who received and cashed the checks for the funds, and also the account details of due dates for the loans, delinquency dates, and any payments received. I spoke with XXXX in the Escalation Department. She informed me that the loans became due XX/XX/XXXX and defaulted XX/XX/XXXX. She also indicated that there was never payment received on the loans. She also provided me with the Co-Signer listed on the loan. After receiving the information, I informed XXXX that the Co-Signer listed is XXXX. I called back on this date, XX/XX/XXXX, to request to have documentation faxed to me. I spoke with XXXX. She indicated that the loans defaulted XX/XX/XXXX. I informed her that I just spoke with XXXX and she indicate that the default date wasXX/XX/XXXX. XXXX indicated that she does not know where that date came from and why it was given. I asked for account detail. She retrieved the fax number and faxed the information. I called back on this same, XX/XX/XXXX, and spoke with XXXX in the Charge Off Department, I was also given a default date of XX/XX/XXXX. I explained to her that I was previously given the date XX/XX/XXXX and also reviewing my credit report, the date XX/XX/XXXX is listed as the default date. She indicated  that is the date of first delinquency. I also asked about payments on the account. She responded with the last payment being XX/XX/XXXX by the Co-Signer. I told her that speaking with XXXX, I was told that there were never payments made on the accounts. I also explained to her that XX/XX/XXXX is IMPOSSIBLE due to the fact that the listed Co-Signer XXXX in XX/XX/XXXX and I did not take these loans out therefore nor had any knowledge of these loans. I believe that Navient are trying to illegally re-age these accounts. She proceeded to inform me that I should be receiving the account details by fax. She ended with providing me with the number to the Fraud Department. I called the Fraud Department and they were closed. I called them back on XX/XX/XXXX to inquire how to proceed with a claim. I received the fax of the account details. The account details only went back as far as the date XX/XX/XXXX. If the accounts ( which again I do not have any knowledge of ) became due XX/XX/XXXX and there were no payments received on the accounts that would make the date of first delinquency XX/XX/XXXX per FCRA not XX/XX/XXXX. The significance of the  referenced dates is based on the credit report periods set forth in the FCRA. The FCRA sets specific periods for adverse items reported to your credit report, after which they can no longer continue to be included in your CR. Those dates are based on the date of occurrence of the type of adverse item, not upon when they are reported or any subsequent action on the part of the one who reported it. For monthly account delinquencies, they must cease to be included in your CR after 7 years from their date of first delinquency. Charge-offs have their own peculiar date for CR exclusion, which is based on ONLY one date ... the date of first delinquency on the account that led to the charge-off. The Date of First Delinquency is fixed by the first delinquency in the most recent chain of account delinquencies with the preceding the charge-off. How can an account become due on XX/XX/XXXX and the Date of First Delinquency be 7 months later? Also, if the accounts were originated in XX/XX/XXXX and Navient keeps insisting that they are my accounts, which again these are not my accounts, then why am I being told the date the accounts details start are XX/XX/XXXX?

Company response to consumer: Closed with explanation