Consumer complaint received 2023-10-27
Company: Navient Solutions, LLC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am following up on an issue with Navient, a student loan provider. I was working on my Ph.D. and a student in school. Navient kept sending me your letters, and bills and they were calling me that I had to pay them back from XXXX. My university confirmed I was in school and working on my Ph.D. Navient kept billing me. The vice president of my university and I called Navient and it was cleared up. It took many months and over XXXX hours of discussion between Navient and XXXX XXXX  to finally get Navient 's misinformation finally got it settled. 
An issue with Navient came up again in XX/XX/XXXX. I began getting calls from Navient that student loan payments were due. I was still attending my graduate program. I understand that post-graduation, graduates have a six-month grace period. This would be estimated from XX/XX/XXXX at which time I was scheduled to complete my program and graduate. I communicated this information to Navient representatives, which was ignored. 
Navient representatives continued to call and bill me demanding pay even though I was in school and later within the grace period. I contacted my lawyer and despite many communications and documents showing their error with the repayment period, Navient continued to send me emails and bills of past due payments. They also reported them to credit bureaus the mis information. The bills show overdue payments even though I am in the grace period. I have consolidated all my student loans however Navient refuses to correct the credit bureau reporting errors. 

My credit report is significant for XXXX, which I qualify as a state service employee. I am requesting to remove the late payment reports from Navient as soon as possible to ensure my credit is restored so it does not affect future XXXX or other credit concerns. 
Kindly confirm this will be corrected at your earliest convenience. I am attaching previous documents demonstrating the reporting error to my credit report. On a related note, Navient sent a letter with a return address stating the " Department of Education. '' The letter stated I could not consolidate my loan because I had a past due payments balance with Navient. I learned that the letter was not from the Department of Education it was from XXXX which is Navient 's affiliate. This is clearly fraudulent misinformation and their unwillingness to correct their errors, is a serious concern. 

I went back to my employer to let them know and they told me to file a report with the CFPB. I filed a complaint to get my loans consolidated and report Navient 's bad-faith communication/ practice. I'm concerned as they may be reporting overdue payments to the credit bureaus which is untrue. They are stating I owe {$840.00} and other fees that are past due but am still in the grace period. I hope to clear this misinformation that is affecting my credit from the misreporting by Navient 's reports removed from my credit reports.

Company response to consumer: Closed with explanation