Consumer complaint received 2020-07-26
Company: Navient Solutions, LLC.
State: NJ
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:
Navient Deceptively continued collection and reporting efforts on this unvalidated debt after my formal dispute notices requesting validation of debt between Navient and myself were not substantiated by Navient. Navient seemed to have purposely violated the FCRA 623 ( a ) ( 3 ) legal regulation that states Disputed Information Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. FCRA 623 ( a ) ( 3 ) They have violated since XX/XX/2020, and remain in violation. 

It appears that Navient may have deceivingly and purposefully kept from reporting this Validation Dispute Claim in an effort to show the account in question as default instead of an account in Formal dispute by reported debtor. This way they could sell off to the debt to the new collector that purchased the Debt XXXX without having to validate the debt prior to selling to XXXX. A company whos unable to prove any standing contract relationship/obligation between debtor knowingly can not enter into a sale of debt to a new agency. This makes their sale/transfer of debt invalid and unbinding. 

Navient, and all 3 Credit Bureaus violated the above mention code, and I will be taking action against Navient, XXXX, XXXX, and XXXX  for not following the guidelines set forth by the FCRA to protect consumers like myself in these very situations. XXXX has now purchased this debt and forwarded debt collection notice without having any valid contract between Navient and myself for this debt, and they will also be included in my action as the above named companies. 

It stands as further proof the the ongoing business practices of Navient have been placed into question for legal and unjust practices by countless victims as noted in there NR rating by the XXXX XXXX XXXX as there are government actions pending against Navient. That speaks to some of the very same illegal business practices Ive experienced with this entity, and Im unsure why the CRAs who are supposed to be transparent in reporting went along with this violation in their non-reporting of my dispute. 

I will move forward to file Claims violations on Navient and the Credit Reporting Agencies for damages caused by their negligence. 
As the consumer I disputed the validation of debt with each of the Credit Reporting Agencies. XXXX  and XXXX  responded, but took no action on my dispute verifying with no proof as Navient was unable to provide me with any validation of contract. XXXX  did not Respond within the 30-45 days mandated by FCRA ( Disputing No Response ). As of XXXX XXXX XXXX  confirmed receipt via Certified USPS of my Affidavit of Violation for Non-Response, and request for deletion. All 3 CRAs continue to report Navient on my report without validation, and did include Consumer Dispute on any of the reports after my dispute for Validation on received by Navient on XX/XX/2020 via Certified USPS mail. This has caused financial damages, and I will be seeking remedy on these violations from all the companies involved. 

XXXX has now purchased this debt from Navient who was not a valid holder of the debt, and have begun collection actions- I've advised Any reporting, collection action or inaccurate filling on this debt after receipt of my Affidavit of Dispute received by XXXX  via Certified USPS mail on XX/XX/2020 will also be met with similar actions administered above as these will be in direct violation of FCRA XXXX Also the illegal action in this debt transfer/sale invalidates any direct ownership of this debt by XXXX. 

I will also like to put on notice that any future reporting by any company of this mishandled account from any entity will be added to the actions taken above under the FCRA..

Company response to consumer: Closed with explanation