Consumer complaint received 2025-11-01 00:00:00
Product: Student loan — Private student loan
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: WI

Complaint narrative:
I am submitting supplemental information regarding my XXXXNavient XXXX XXXX XXXX in response to Navients prior reply dated XX/XX/XXXX. That response was non-substantive and failed to address the servicing errors, misleading forbearance practices, and inaccurate credit reporting previously documented. 

Navients conduct has caused measurable financial and reputational harm by inflating my balance, damaging my credit, and impairing my ability to obtain credit. The account continues to show duplicate tradelines, inconsistent creditor names, and misleading charge-off or discharged remarks even after a settlement offer and during an active dispute.

Additional irregularities : Returned mail marked undeliverable, indicating invalid servicing addresses.

Credit reports show loan discharged and closed XX/XX/XXXX, but no IRS Form 1099-C was issued and no discharge letter received.

These actions appear to violate : FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( b ) ) inaccurate, incomplete, and uninvestigated reporting ; CFPA ( 12 U.S.C. 5531, 5536 ) unfair, deceptive, or abusive servicing and collection practices ; TILA ( 1638 ( a ) ( 9 ) ) failure to disclose interest accrual during forbearance ; EFTA ( 907, 15 U.S.C. 1693e ( a ) ) continued ACH withdrawals after written revocation ; Wisconsin Consumer Act ( 427.104 ) unfair collection conduct.

Unresolved Issues : Steering into forbearance without interest-accrual disclosure.

Unclear ownershipno proof of assignment or creditor identity.

Default threats and coercive collection prior to declared default ( XX/XX/XXXX ). 
Failure to conduct a reasonable FCRA investigationno documentation provided. 
Unauthorized ACH withdrawals after stop-payment requests. 
XXXX CFPB response lacking case-specific evidence. 
Inaccurate credit reporting : duplicate tradelines, inconsistent creditor names, charge-off and discharged remarks, absence of consumer disputes notation, and deletion of the account from my credit reports. 
Numerous consumers have reported similar Navient servicing and reporting issues, suggesting a pattern or practice of non-compliance that warrants CFPB supervisory review. 

Requested CFPB Actions : Direct Navient to provide a documented, fact-based response to each issue.

Require correction or deletion of inaccurate and duplicate tradelines and ensure consistent creditor naming.

Determine whether a lawful discharge occurred and whether a Form 1099-C should have been issued.

Review Navients servicing, forbearance, and credit-reporting practices for systemic FCRA, CFPA, TILA, and EFTA violations .

Evaluate whether Navients generic CFPB responses meet reasonable-investigation standards.

Confirm that this supplemental information is added to my complaint record. 

Attachments ( uploaded ) : Detailed Supplemental Submission Correspondence evidencing threats of default and coercive collection conduct, and misrepresentation Copies of inconsistent forbearance notices Credit reports showing duplicate and inconsistent tradelines Credit report indicating account closure on XX/XX/XXXX and subsequent deletion Documentation showing discharged status without providing a 1099-C Documentation of offers that were not provided and inconsistent terms Proof of payment during forbearance and insufficient funds fees Documentation of settlement Account technical issues after pursuing refinance application, resulting in a denial Returned mail marked Return to Sender ( invalid Navient addresses I respectfully request that CFPB ensure accurate correction of my credit reporting and evaluate Navients conduct for compliance with federal and state consumer-protection laws.

Company response to consumer: Closed with explanation