Consumer complaint received 2022-04-12
Company: Navient Solutions, LLC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I have not used student financial aid since XXXX yet they show multiple loans totaling XXXX dollars for a school that I have never attended and certainly did not receive XXXX dolllars from anyone. I used financial aid in XXXX for the licensed practical nurse program that I attended and then attended XXXX XXXX in XXXX when I became an XXXX and at the time XXXX didnt offer financial aid therefore I paid cash in full and graduated then in XXXX I attended XXXX XXXX XXXX for. XXXX XXXX in XXXX XXXX and XXXX XXXXXXXX XXXX  did not and still does not offer anything financial aid other than their own internal interest free financing which i again paid cash for now Navient has failed to provide documents and details of these additional loans and details of my enrollment at XXXX XXXX  global the forms that they did sent are only electronic signatures or strange variations of the spelling of my name and inaccuracies im the addresses even crossed out and corrected in handwriting that is certainly not mine. Now I have been damaged by these loans for years and still I have tried to get them to resolve and remove these fraudulent loans that are absolutely not mine and I have gotten no where and this is my last effort before I retain counsel and file suit for immediate resolution and even damages due to the impact that this bogus XXXX dollar debt that they have continued to report or sell and suddenly it goes into default at no knowledge of mine and of course a consolidation loan is their only immediate remedy for the situation where they add on obscene amounts of additional money to the balances so they are making a killing with the predatory practices and they estimate for yhe XXXX payments they are trying to collect from me on this fraudulent XXXX over the course of the payments would end up costing me over XXXX dollars for a school I never attended a day in my life and I refuse to pay for anything that I did not use or attend so I will never make a single payment on this unethical practice and I am awaiting your plan of action then engaging my attorney as this has gone on for years and they have yet to investigate and resolve this matter. I wont allow another opportunity once you have attempted to assist me should you be unsuccessful I will have my attorney use any and all available actions in order to be made whole again after this has carried on since XXXX to XXXX that they claim I attended this school and utilized these fraudulent loans that clearly only Navient and the school benefited from as I challenge them to produce details and documentation of these loans dispursements as you will find not one time will they show proof that they were paid to me in any way shape form or fashion only to the XXXX XXXX  XXXX NEVER to me. And their inability to show this alone should be grounds for resolution and complete dismissible and deletion of these bogus balances they continue to report to the credit bureaus now totaling XXXX dollars and I believe that if the school was paid on my behalf then there should have been excess amounts refunded to me which they also will never be able to show so XXXX XXXX  XXXX will also have action filed against them as well. I have literally had it with this never ending nightmare that has compromised my credit standing for decades now and when I have made effort to resolve this directly with Navient I was treated as though I was merely someone attempting to get out of paying my loans completely missing the fact that I have total debt outside these student loans only XXXX dollars in credit card debt and a car loan for XXXX dollars and that is literally all now does this sound like the credit balances of someone that doesnt want to pay their debts?? No I didnt think so but it has and continues to interfere with my ability to obtain a mortgage to buy a home and this is unacceptable by any stretch of the imagination. 

Thank you in advance for any assistance that you are able to provide in this matter. 

XXXX XXXX XXXX direct cell

Company response to consumer: Closed with explanation