Consumer complaint received 07/17/2016 about Credit reporting () with Navient Solutions, LLC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I grew tired of trying to deal directly with the credit bureaus. At one point, I found one error ( one of many ) on XXXX credit bureau report, got that corrected, and a month later the exact same error appeared on another credit bureau report where it had n't been there before. Whomever I spoke with, I asked where they get their information. The quite young man I spoke with told me sometimes they call the other credit bureaus and get their information that way. Is that legal.? 

My main complaints, however, include the fact that XXXX of the XXXX credit bureaus have me listed as having lived at a former address that is actually the address of a former creditor of mine. This should be quite obvious since the address is listed in XXXX Texas, on XXXX XXXX, at XXXX XXXX. It is obviously a commercially zoned address, but that does n't seem to matter. 

Other issues include items listed on my report that have been paid in full in previous years, and XXXX other issue includes an argument I am having with XXXX credit bureaus over a somewhat complicated issue. 

In this case, the creditor in question, Navient, provided me with paperwork to submit to their insurance company to let the insurance company determine whether or not in its eyes, I was indeed XXXX enough not to have further responsibility for the remaining loan amount. Understand that due to my XXXX, I have been on total, XXXX per Social Security since XXXX, XXXX. 

Now I understand that just because Social Security feels a person is totally, XXXX, this does not mean that the Dept of Ed or any private student loan lender has to agree with Social Security 's XXXX status. 

But the Dept of Ed discharged all of my Federal student loans due to my XXXX, and Navient 's insurance company, XXXX, also agreed that I was too XXXX to have further responsibility for the outstanding loan debt. Even so, XXXX told me they would report their XXXX decision to Navient, but that it was still up to Navient to make a final decision as to whether or not to release me from further debt responsibility on the private student loans I had with them. 

Navient did determine to release me from all further responsibility for the remaining debt, making my co-signer, my husband, solely responsible for the outstanding student loan debt on my account ( like that 's going to give me and my husband any financial relief! ). 

Anyway, my husband has been making the Navient loan payments since about XXXX, XXXX, yet Navient has still not removed this debt from my credit report. It looks, on my credit report, as if I, too, am still responsible for some {$40000.00} in Navient debt. 

I have written to them about this error. XXXX XXXX, XXXX has written to Navient about this error, and yet Navient just keeps on sending back " form '' letters stating their records are correct, and yes, the Navient debt will remain on my credit report. 

WHY? I have absolutely NO further responsibility for this debt. None. And with the added outstanding Navient debt listed on my credit report, it appears as if I am some $ XXXX in debt, if the Navient debt is included, which in my opinion it should not be. 

Credit bureaus, having absolutely no oversight, do not perform periodic audits, to the best of my knowledge, and who will flat out tell you they do not verify what they document on a person 's credit report have a level of what I see as undue power NO companies should have. Just because they " say so '' they have the power to decide what neighborhood you are able to live in, what job you can have, what kind of car you can drive, and so much more! Credit bureaus, without ANY oversight, have complete ability to wrongly determine your entire quality of life, all on their unverified " say so. '' Please do something for me and all Americans. Thank you.

Company response to consumer: Closed with explanation