Consumer complaint received 2015-03-23
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
In XXXX or XXXX, I attended XXXX University. I applied for financial aid but what I was to receive was not enough to cover the tuition for 2 years at XXXX. I took out a private student loan through XXXX XXXX that my mother co-signed for that was about {$9000.00}. I still had a balance of about {$7000.00} and I took out another private student loan but this was through the school itself to cover what financial aid and the first student loan did not cover. I have been fighting with XXXX XXXX for years to have them provide me with copies of my original loan documentation ( promisary note, monthly statements and loan information ) to no avail and it has been at least 10+ years and I have not received a single piece of paper proving anything. It has also been 15 - 16 years since I missed my XXXX payment ( making the original default date well past the 7 years that this can be kept on my credit report ) but XXXX XXXX keeps reporting a original default date of XXXX for a loan I took out back in XX/XX/XXXX/XX/XX/XXXX. I doubt this company would let me go 8-9 years on loan without reporting late payments. And even though I have repeatedly disputed this with all three credit bureau 's, somehow these loans come back verfied to their ( the credit bureau 's ) satisfaction so they are still on my credit report. This XXXX XXXX loan is scheduled to come off my credit report in XX/XX/XXXX, just like it was supposed to come off back in XX/XX/XXXX/XX/XX/XXXX but somehow was re-aged and now has been negatively reported on all three of my credit reports for 15-16 years. I also recently pulled my Experian and Equifax report and saw that XXXX has also placed this loan back on my credit report using the same original default date as XXXX XXXX, therefore also re-aging my account with them. I contacted XXXX back in XXXX of XXXX and requested all my original loan documentation from them ( promissary note, monthly statement and attendance ) and have not received a response from them. I do have federal sudent loans that are in good standing which were with XXXX XXXX and then were bought by the government when Obama took office and took the third party lenders out of the financial aid loop ( US department of education ) but all of those loans including the private loan through XXXX XXXX have been bought by Navient ( which is owned by XXXX XXXX, go figure ). I 'm tired of fighting this fight and I 'm told that although I requested this information from these XXXX comanies, they do not have a set time to respond with my documentation or to respond at all. And that is not fair, especially when we are given 30 days to dispute the validity of a debt from the time we receive the XXXX collection notice. I went to this school when I was young and bounced around quite a bit so that XXXX collection notice may not have even gotten to me but as I have grown older and am trying to be responsible and get my debts and credit in order, I am faced with this giant lender ( XXXX XXXX, now Navient ) not having to respond to my request in a timely manner. Especially when this is a debt that is almost as old as my XXXX child who is XXXX, so I am not mistaken about when I attended this school and took out these loans. My intentions were to pay back my loans but like a lot of people, I was unable to find a job in my field to do that. And when I maxed out my deferments with them because it was a private student loan, I had no choice but not to pay and get told that they would not work with me and just take me to court and sue me for the money. I was never served with any paperwork to go to court and if I had been sued, it is still well beyond 7 years of the original default date and I 'm still fighting this fight. Is this not illegal. Do I not have any recourse regarding this issue? Please help!

Company response to consumer: Closed with explanation