Consumer complaint received 2022-08-24
Company: Navient Solutions, LLC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a victim of unlawful, deceitful, and inaccurate debt collection by Navient. I received a collection letter stating I was overdue on XX/XX/XXXX. On XX/XX/XXXX I received a notice from XXXX that my credit score had dropped 126 points due to the negative reporting Navient had communicated to the credit bureaus. 

The debts Navient, formerly known as Sallie Mae XXXX XXXX, are illegally trying to collect on and inaccurately reporting were discharged in my bankruptcy case as of XX/XX/XXXX. Per my attached documentation from the bankruptcy court of Colorado, the trustee, and my lawyer ; the accounts under Navient were included within my discharge. On page 4 of the attached documents to this complaint, you can clearly see the Navient loans were included in my bankruptcy filing and discharged. I am a victim of Navient continuously breaking collection laws, FCRA and my rights by trying to collect on discharged debt. They have been found guilty of these collection violations in court but are continuing to conduct illegal practices. They also chose to report inaccurate delinquency while the Biden administration forbid loan organizations to collect on and report negative information. As of XX/XX/XXXX the Bident administration put in to order loan forgiveness and cease of negative reporting. 

I never received any written or verbal communication from Navient/Sallie Mae XXXX XXXX from the time my bankruptcy was petitioned to well after it was discharged and cleared from the court. This company has the technology to verify my current address in order to send me a letter stating Im overdue, however they did not send me written or verbal communication prior to them reporting me delinquent. I never received a letter or bill/statement trying to obtain payment or attempt contact to warn me. Had they tried, I would have contacted them immediately to dispute their illegal attempt to collect on a discharged debt. The letter they sent me ( attached ) also inaccurately provides details of the amounts due. They dont have the required billing information that financial institutions are legally required to provide ( Regulation Z ). They provide very little loan information, but no historical proof as to how the total balances are calculated. How can a consumer trust the amounts with no explanation?! 

Ive worked extremely hard to correct my credit after attending college. I had to file bankruptcy because repaying student loans at the rates/fees Navient required made it impossible to get ahead. After my bankruptcy discharged, I did everything right to go from fair credit to very good credit within a few years and I was finally able to TRY to buy my first home, but Navient/Sallie Mae completely took that away from me overnight. This company will not talk to people on the phone who are disputing their collection practices. They tell you to mail in documentation to a po box , at which point they may or may not receive it. They also dont have an alternative mailing address that accepts expedited/certified letters so people can track their personal documents. 

I am asking for help from the CFPB to make this right. Navient will not help consumers. They neglected to contact me before reporting me negative to the bureaus, neglecting me of my right to dispute this. I am asking for Navient to stop reporting negative information because it is simply inaccurate. They should have stopped reporting to the credit bureaus as of the date of my bankruptcy discharge : XX/XX/XXXX. I demand Navient to immediately correct my credit reporting in order to correct my credit score they illegally destroyed. Navient needs to correct the credit reporting or remove it entirely. If my credit isnt corrected, my lawyer will take the next necessary steps to take action. It isnt right that Navient is still getting away with illegal debt collection practices. I paid my debts to the best of my ability then filed bankruptcy because that was my final option. I did everything I was required and obtained my discharge. Now Navient needs to follow the rules, correct their wrong doing and fix my credit that they broke.

Company response to consumer: Closed with explanation