Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Please read the copied letter that has been mailed AND emailed to Navient. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Navient U.S. Department of Education Loan Servicing Attn : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Re : Removal of prior negative history and incorrect account information from credit report ( SSN XXXX ), DOB : XX/XX/XXXX Dear Sir or Madam : I am writing to you today regarding several closed accounts in my name. The purpose of my correspondence is to remove information on my credit report. 

The Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I am insisting that you do that in my case for these accounts. XXXX XXXX XXXX XXXX is NOT the original creditor to this debt. The original creditor was XXXX XXXX but yet Navient seems to be reporting it. This information as reported is incorrect. I have disputed this through Navient via the credit bureau but it is still reflected incorrectly on my report. Furthermore, Navient NEVER had my authorization to access ANY of my credit info and/or my personal data. It is to my understanding that Navient did not take over XXXX XXXX education loans until XX/XX/XXXX. This is far after the XXXX XXXX accounts had been CLOSED. Not only is the information reported erroneous but I believe its acquisition to be fraudulent on XXXX XXXX and Navients behalf. These accounts are being reported by BOTH XXXX XXXX AND Navient. This is the reason I demand removal. 
According to the National Student Loan Database, these loans appear to be placed in Forbearance status as of XX/XX/XXXX through XX/XX/XXXX. So the information regarding a late payment seems to be incorrect as well. Perhaps Navient is unaware or has inaccurate information since XXXX XXXX never had the authorization to release this data. Yet another reason Im requesting these accounts be expunged from my credit reports. 
Please be aware that I have since satisfied ALL accounts with payment in full. I did so shortly after these accounts were reported as late. Once the government realized the need for Student Loan reform and made programs available to help people in my situation exactly. I provide this not to justify why the account was LATE, but rather to show that the issue with my past student loans is NOT a good indicator of my actual and current credit worthiness. Student Loan repayment reform programs have become the norm since this time to help relieve the burden of student loan debt. I am thankful that I could take advantage of them. I have refinanced with a different company and enrolled in the income based repayment plan. I have not had one late payment since the beginning of this change. The late payments that are reported by Navient/XXXX XXXX occurred almost 6 years ago. These old student loans are the ONLY late payments reflected on my credit report. I am not asking for forgiveness and I have not defaulted on the loans. I am requesting that you either remove the negative trade lines or the accounts entirely from my credit reports. 
My credit has suffered long enough. Six years of low credit scores and numerous loan denials, all attributed to loans that originated over 8 years ago, is an extreme price to pay for something that was ultimately paid in full. I am reaching out for your support in getting either the derogatory remarks and/or the accounts entirely removed from my credit reports. 
I have attached a copy of a fact sheet that is available on your website. This sheet outlines circumstances in which Navient is negligent. I believe the statements made by Navient on this fact sheet are also erroneous. I was NEVER made aware of any kind of other options for repayment by the company. I was instead, allowed to keep placing the loans in forbearance accruing interest. This, among several other applicable reasons are which Navient is currently in a lawsuit defending themselves against. Going back to my point, Navient never had the authorization for my information in the first place. 
In the meantime, I have filed complaints with both the CFPB and the Department of Education. Your kind consideration in this matter is greatly appreciated. I look forward to your correspondence. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation