Consumer complaint received 02/19/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX University XXXX in XXXX XXXX. 
I have discharged the alleged debt/loan according to Public Law 73-10, Article 6, and Article 1 Section 10 of the United States Republic Constitution. XXXX/Navient still says I owe. I have no money to pay and no job to receive any money from. SallieMae/Navient are now in default because they Acquiesced for failure respond when I asked them to prove the debt- over a three year span. A debt tendered and refused is a debt paid. XXXX took my signature- promissory note and tried to create a legal Security out of it, but they were n't able to perfect the lien due to fraud against me. I was unaware of this fraud, they bundled my promissory note with other alleged borrowers, they created a trust and did n't fully securitize it by selling it on the open market. They have been harassing me over three years over a debt I do not owe and will not prove that I owe. The Accuser/corporate agent/public servants EIN # XXXX, Commission File Number XXXX-XXXX/Navient harassed me at my job, my cell and home. Proof of fraud attached. I did everything & stayed in honor ; XXXX/Navient Agent ( s ) rejected every attempt to clear this up. My alleged debt/loan has been discharged since 2013. Please everyone, before you sign on the dotted line with XXXX XXXX/Navient, buyers beware. My forensic audit, certified auditor 's report reveals no registration or license to operate in XXXX, I am depressed and ca n't get to sleep at most nights. Chain of Transfer of Receivables : Student Loan borrower an Undisclosed Third Party- Notwithstanding the terms within any purported Student Loan borrower Agreement ( s ), it appears that the Student Loan borrower is an undisclosed third party to the foregoing investment Trust in a quasi-contractual arrangement by way of the aforementioned statements made in the Prospectus. Moreover, the Student Loan borrower may have an adverse claim to any proceeds made by the Trust from the unauthorized use of the Student Loan borrower Receivables, as the Trust may be liable for certain violations of consumer protection laws that apply to the Receivables, either as assignee from the Depositor ( s ) with respect to obligations arising before transfer of the Receivables to the Trust or as the party directly responsible for obligations arising after the transfer. In addition, an Account holder ( Student Loan borrower ) may be entitled to assert such violations by way of set-off against the obligation to pay the amount of receivables owing. ( See UCC 8-102 ( a ) ( 1 ), 8-102 ( a ) ( 9 ), 8-105, and 8-302 ( 2 ) ) ; Lack of Capacity -The XXXX XXXX search results confirmed that XXXX XXXX XXXX , XXXX XXXX , XXXX , XXXX XXXX. Lack of Capacity-The XXXX XXXX search results confirmed that XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX lack the required registration and licenses to conduct business in the state of XXXX. Without the proper registration with the Secretary of State, the foregoing entities would be barred from instituting any forthcoming legal proceedings against the subject Student Loan borrower.

Company response to consumer: Closed with explanation