Consumer complaint received 2019-03-17
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX Oh XXXX XX/XX/XXXX To whom it may concern. 
IN REGARDS TO ACCOUNT # XXXX This letter is in regard to my previous attempt to remove a negative remark on my credit score back in XX/XX/XXXX. 
My credit report states two late payments in XX/XX/XXXX and XX/XX/XXXX. Both derogatory remarks are false as you can see in the enclosed copy of my Navient account. I have made 3 monthly payments of XXXX and i was enrolled in the income based repayment plan in XX/XX/XXXX. 
Two accounts were open in my name with Navient and i am confused to why this happened? It is possible because of my divorce and name change that this happened but i do not know. Regardless of the reason my accounts are being reported on my score falsely. Therefore not only was i reported late once, but twice. And upon contacting Navient they suggested that i had to direct this to each credit bureau. 
Both of the derogatory remarks have lowered my score substantially and they are not unfair they are completely untrue and i am asking for both of these derogatory remarks to be deleted from my credit report please. 
This letter is a follow up and a request for the removal of both negative remarks on my score which are false. I have enclosed all the necessary documents to provide my proof of payment to Navient. 












Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is my second attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
I thank you for you time and cooperation and look forward to your response My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC :  Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXX CC : XXXX CC : XXXX   COPY OF ORIGINAL LETTER SENT ON XX/XX/XXXX Navient XXXX XXXX XXXX XXXX, Pa XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, in which you claim i owe a payment of XXXX and that it is 90 days late. Upon reviewing my credit score it has been reported from your company as a derogatory account. This has impacted my score in a negative way. This is a formal notice that your claim is disputed. 


I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you the noted amount of XXXX I have been experiencing partial financial hardship since XX/XX/XXXX and i have been divorced since XX/XX/XXXX i was legally separated and left the marital residence XX/XX/XXXX. I had made an attempt to pay my student loan debt in XX/XX/XXXX but fell victim to an online scam and all of payments throughout the course of that year were never given to your company. Unfortunately this is money that i lost and will never receive restitution for. I payed a company called XXXX XXXX {$49.00} /month for one year thinking that payment was going towards all my loans which were then consolidated. After this realization i attempted to again to apply for the Income Based Repayment Program and i was given a deferment. 

I have been diligently making attempts to pay all my debts and improve my credit score for the past two years to best of ability. I am attempting to make my account with your company current, and doing so I am sending my application for the Income Based repayment Plan. Upon review of my application you will find that i am a self employed independent XXXX, XXXX XXXX. And my yearly income is around XXXX average. I am requesting to set up automatic payments of {$25.00} per month. Furthermore i am currently enrolled in an online certification program for XXXX XXXX. In order to achieve certification for a second job which will increase my annual gross income so that i may pay off my debt faster once employed at this second place of employment. Again I have been monitoring my credit closely and making all attempts to the best of my capabilities to pay all debts with my available funds. 

Please Note : Because of my separation and then divorce i could not file my taxes for XX/XX/XXXX, XX/XX/XXXX due to the fact that i was employed by my ex-husband as an independent XXXX at his Tattoo Studio ( XXXX XXXX XXXX ) throughout the course of the marriage. This business was owned by him and premarital. Our taxes were always filed as separate but married throughout the course of the marriage which was XX/XX/XXXX-XX/XX/XXXX when divorce was granted. He had with held financial documents that contained my earnings. This was part of our divorce proceedings and wasnt resolved untilXX/XX/XXXX. I have since filed for those years and i am enclosing my XX/XX/XXXX tax return as well for review of my XXXX application. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
I thank you for you time and cooperation and look forward to your response My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXX CC : XXXX CC : XXXX

Company response to consumer: Closed with explanation