Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My ability to sustain employment, attend medical appointments, and commute to public service roles has been directly harmed by their actions. These are not minor clerical errors, but coordinated failures that mirror past settlements. Therefore, I urge the CFPB and the Attorney General to treat this as a high-priority case consistent with past enforcement trends. 

Based on the facts outlined in my complaint, XXXX XXXX and Navient have likely violated the following federal laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Reporting inaccurate or false information to credit bureaus while I was in an approved in-school deferment status.

Failing to correct erroneous data after receiving formal disputes and documentation.

Causing willful or negligent harm to my creditworthiness, impacting my ability to access credit, transportation, and employment.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

Engaging in deceptive and harassing communications, including contacting unrelated third parties such as a cognitively impaired cosigner and a family friend.

Attempting to collect payments that were not legally due at the time.

3. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act Imposing financial penalties, compounding interest, and inflating the balance without cause.

Failing to disclose, explain, or offer standard borrower protections such as income-based repayment options.

Exploiting borrowers through confusing and coercive communication tactics.

4.Contract Law and Breach of Agreement The loans were issued under terms that deferred repayment during active enrollment. 
I was enrolled in school from XXXX to XXXX & XXXX to XXXX and provided timely documentation.

Their refusal to honor these terms amounts to a material breach.

II. Legal Precedents That Justify Immediate Redress CFPB v. Navient Corp., et al. ( Case No. 3:17-cv-00101, M.D. Pa. ) was sued for steering borrowers into costly forbearance options and misapplying payments.

The case revealed a pattern of misleading conduct, especially toward vulnerable and low-income borrowers. 
Resulted in a {$1.00} XXXX settlement in XXXX and required the company to reform servicing practices.

California Class Action Settlement ( Navient ) Found liable for aggressive collection tactics, miscommunication about borrower rights, and deceptive practices.

Complaints to the CFPB and State AGs Thousands of complaints echo my experience, particularly involving misreporting during in-school periods and failure to resolve disputes properly.

Given these precedents, regulators have both the legal and moral obligation to act swiftly. XXXX XXXXNavients conduct aligns with prior findings of systemic abuse and deception. My situation is not isolated but representative of the broader harm they continue to inflict.

Please, allow me to sustain my employment and attend medical appointments while not being financially harmed.

Company response to consumer: Closed with explanation