Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX I took out a student and my mother was the co-signer of this loan. I have been enrolled in college since and during all this time was given deferments on this loan with has been in fact documented by NAVIENT. NAVIENT Deferment documentation attached. 
On XX/XX/XXXX I was alerted by by my mother that various credit reporting agencies that Dept of Ed/NAVIENT was reporting negative consumer information to all 3 credit reporting agencies that has a direct and negative effect on my credit rating, and has in fact caused her direct harm by reporting this false information. These negative reports made by NAVIENT started on XX/XX/XXXX and continued in various ways until XX/XX/XXXX. Had she not been made aware of this fraudulent information being reported by NAVIENT this would have gone unchecked and her credit rating would have continued to deteriorate for who knows how long. Credit Report Alerts attached. 
Once this was realized, myself and my mother made several calls to NAVIENT and each time was treated with hostility and total disrespect. We were told to bad thats how its going to be reported, and they refused to update and or correct the fraudulent information they were reporting, even though we had proof that this loan in question was in fact deferred from XX/XX/XXXX to XX/XX/XXXX. Deferment letter attached. NAVIENT did in fact start reporting this false information to all 3 credit reporting agencies before the deferment time had expired.

My mother then filed disputes with all 3 credit reporting agencies and once again, NAVIENT doubled down on continuing to report this fraudulent information on her credit reporting files to all 3 credit reporting agencies. Not only is this a personal slander on her, it is by all means Deplumation of Character by their continued actions and refusing to correct their mistakes that they have continue to report and refuse to correct. Credit Reporting Dispute Results attached. 
NAVIENT made no attempts to contact myself or my mother regarding this matter leading up to this false reporting to all 3 of these credit reporting agencies neither by e-mail, phone calls or by US Postal Service, even though they did in fact have out contact information as proved by the letter of deferment dated XX/XX/XXXX. No contact by NAVIENT at all, not once in any way shape or form regarding this matter. Otherwise this situation would have been handled by be long before they started reporting this false information that has in fact damaged my credit rating and continues to do so. 
Its no wonder why NAVIENT has several class actions suit pending against them with such fraudulent practices among the many others including this one outlined above. I have every intention of joining with any class action suit available to me and will further discuss this with my attorney as to what can be done to hold NAVIENT responsible for this deplumation of my character and credit rating that will take years to overcome by this damage done by NAVIENT. 
I want this corrected. This false information NAVIENT is reporting is unacceptable and should not be allowed to continue this fraudulent actions by any means. 
XXXX XXXX CC : NAVIENT Department of Ed Consumer Financial Protection Bureau United States Attorney General Arizona Attorney Generals Office