Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
This is a Navient Problem! Passing off the problem to the new servicing agent does not fix the Navient incorrect reporting. 

The issue is during when Navient was servicing the Loan. See attached file. You are in violation of the law! As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, you are not allowed to propagate misleading information. Currently Navient is knowingly making false and misleading statements about my student loan debt. As per the COVID-19 Emergency Relief and Student Loan guidance from the Department of Education ; all Department of Education owned loans are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. XXXX ) and invocation of the Higher Education Relief Opportunities for Students Act of 2003 ( HEROES Act ). Based on these acts the Department of Education put for the following policies : Accrual of interest on XXXX-held student loans and certain non-XXXX-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. XXXX-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for Public Service Loan Forgiveness ( PSLF ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the nine voluntary payments required for individuals to rehabilitate their defaulted loans. Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on XXXX-held student loans for XX/XX/XXXX, through XX/XX/XXXX. Multiple rules related to the 120 monthly payments required to qualify for PSLF were waived. A one-time revision was made to the accounts of borrowers with XXXX-held loans to provide credit toward the IDR plan maximum repayment period for any months in which they were in repayment status and for specified periods of deferment or forbearance. My Navient student loans were owned by the Department of Education ( proven by the Department of Education TDU approval ). As per court order ( CFPB vs Navient XXXX ) Navient has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. Navient is no longer responding to my verification requests. Navient is still responsible for removing incorrect and inaccurate reporting information on my credit report, in accordance with federal law and the FDCPA. As per CARES Act and HEROS Act any and all Navient late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. Any and All late payment information from that time period needs to be removed immediately.

Company response to consumer: Closed with explanation