Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am writing to dispute inaccurate information contained in my Credit Report - XXXX, date XXXX. Upon reviewing my XXXX credit report, I discovered multiple issues regarding the accuracy of the account for the Navient listing. There are multiple inaccuracies, to include inaccuracies regarding the reason for transferring the account, the date of account transfer, the company to which the account was transferred to, the accuracy of the account payment history status, and possible duplicative entries- Navient and the Dept of Ed reporting the same information and account balance on the same dates. I am requesting that XXXX investigate and verify the items outlined below. 

I have attempted to address these items in previous disputes and had to contact the CFPB for further support. These issues are unfairly harming my credit score and violates the Fair Credit Reporting Act ( FCRA ), which ensures that credit reports contain only accurate, complete, and verifiable information. 

XXXX. Navient Account Number : XXXX Issue : The comment on this account states ACCOUNT TRANSFERRED OR SOLD STUDENT LOAN 180 DAYS OR MORE PAST DUE. Navient 's contract with the Department of Education to service Direct Loans ended in XXXX. Navient was mandated by the Department of Education to transfer the loan. 
Requested Action : Investigate the date of transfer, the reason for the transfer, and the name of the company the account was transferred to. Update entry based on results of investigation. Provide detailed documentation supporting the current status. 
Entry Found On : Page 44 of 85 2. Navient Account Number : XXXX Issue : The comment on this account states ACCOUNT TRANSFERRED OR SOLD STUDENT LOAN 180 DAYS OR MORE PAST DUE. The PAYMENT HISTORY on this account since XXXX indicates that the account was Paid On Time and No Data Available. 
Requested Action : Investigate and verify the PAYMENT HISTORY and the accuracy of the COMMENTS included about the account. Update comment based on results of investigation. Provide detailed documentation supporting current status. 
Entry Found On : Page 43 of 85 3. Navient Account Number : XXXX Issue : The Account History balance indicates that the account had an outstanding balance in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Requested Action : Investigate the date in which the account was transferred. Update account history ( balance ) and the account comments based on results of investigation. Provide detailed documentation supporting current status. 
Entry Found On : Page 42 of 85 4. DEPT OF ED ( CLOSED ) Account Number : XXXX Issue : The Account History balance indicates that the account had an outstanding balance in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The report is currently showing that I was maintaining two separate account balances for the same student loan during the same time frame.

Requested Action : Investigate if Navient ( Page 42 of 85 ) and the DEPT OF ED is reporting duplicative information. Please see Account Details on Page 43 of 85 and Page 54 of 85, High Credit and Date Opened. Update account history ( balance ) and the account comments based on results of investigation. Provide detailed documentation supporting current status.

Entry Found On : Page 53 of 85

Company response to consumer: Closed with explanation