Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (MN)

I am writing to formally dispute the reporting of referenced accounts ( # XXXX ) on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my credit reports, I have identified inaccuracies in the information being furnished and incompleteness by your company to the credit reporting agencies. Legal Basis : The FCRA mandates that furnishers of credit information provide only accurate and complete information to credit reporting agencies. Specifically, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) states that a furnisher must not report information if it knows, or has reasonable cause to believe, that the information is inaccurate. I would like to reference the case XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which highlights the furnisher 's duty to investigate and correct any inaccuracies once notified by the consumer. Continuing to report inaccurate information after receiving notice of a dispute is a violation of the FCRA. Furthermore, I would like to highlight the fact that Navient was recently sued by the Consumer Financial Protection Bureau filed XX/XX/XXXX for a whopping {$120.00} XXXX and is " Banned '' from student loan servicing for unethical business practices and is in fact a " repeat offender with a long history of regulatory violations. '' according to Consumer Financial Protection Bureau v. Navient Corporation et al, Case No. XXXX. I have disputed against Navient several times for furnishing inaccurate and incomplete account information to my credit reports. They are damaging my credit reputation by reporting false and materially misleading information. Dispute Details : The information reported by Navient on these accounts are inaccurate for the following reasons : Inaccurate Payment History : The payment history reflected on my credit report contains errors, such as misreported late payments that have duplicated by more than 8 times with random misleading late payments starting at " 90 days late '' and multiple transactions that I made on the tradelines that are not being reported showing as " No Data '' : The date of first delinquency reported on this account is incorrect and does not reflect the true timeline of the account 's history. The date of last payment is missing from this tradelines. I recently disputed both account by Navient and they again verified the errors in the accounts with no corrections made even after being sued. Requested Action : I respectfully request that Navient : Conduct a thorough investigation into the disputed account and correct the inaccurate information regarding the payment history and date of first delinquency. Cease reporting any incorrect information to the credit reporting agencies ( XXXX, XXXX, and XXXX ). Provide written confirmation of the investigations outcome, including details of any corrections made to my account. If the inaccurate information is not corrected in a timely manner, I reserve the right to escalate this matter, including filing an additional complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal action as permitted under the FCRA. Thank you for your attention to this matter. I look forward to your response and confirmation of the necessary corrections.