Consumer complaint received 2017-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I XXXX believe that there is an oversight from a regulated student loan vendor as to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The student loans were eventually merged into one loan, and these loans structured by a third party were handed off to NAVIENT, and they never came out of a deferment status while they remained with this agency. There are several discrepancies with each pertinent credit reporting agency, such as follows : XXXX - States that it was transferred from XXXX XX/XX/XXXX. The loan never left a deferment status with XXXX, yet NAVIENT shows a negative e payment history from XX/XX/XXXX, and on several dates, both before and after the transfer date. NAVIENT and XXXX are the same company and have recently lost their status as a bill collector for the United States Department of Education. There is no payment history which validates that the loans were always in deferment. The procurement date was XX/XX/XXXX with XXXX, now NAVIENT. At no time was this consolidated loan in payment status, and the date of the credit information obsolescence has longed passed. Essentially, XXXX should have this trade line deleted permanently, but there will be no complaint filed with the credit bureau without first trying to resolve the matter with Navient through the Consumer Financial Protection Bureau ( CFPB ). 
XXXX - States that it was transferred from XXXX XX/XX/XXXX. The loan never left a deferment status with XXXX, yet NAVIENT shows a negative e payment history from XX/XX/XXXX, and on several dates, both before and after the transfer date. NAVIENT and XXXX are the same company and have recently lost their status as a bill collector for the United States Department of Education. There is no payment history which validates that the loans were always in deferment. The procurement date was XX/XX/XXXX with XXXX, now NAVIENT. At no time was this consolidated loan in payment status, and the date of the credit information obsolescence has longed passed. Essentially, XXXX should have this trade line deleted permanently, but there will be no complaint filed with the credit bureau without first trying to resolve the matter with Navient through the Consumer Financial Protection Bureau ( CFPB ). 
XXXX - States that it was transferred from XXXX XX/XX/XXXX. The loan never left a deferment status with XXXX, yet NAVIENT shows a negative e payment history from XX/XX/XXXX, and on several dates, both before and after the transfer date. NAVIENT and XXXX are the same company and have recently lost their status as a bill collector for the United States Department of Education. There is no payment history which validates that the loans were always in deferment. The procurement date was XX/XX/XXXX with XXXX, now NAVIENT. At no time was this consolidated loan in payment status, and the date of the credit information obsolescence has longed passed. Essentially, XXXX should have this trade line deleted permanently, but there will be no complaint filed with the credit bureau without first trying to resolve the matter with Navient through the Consumer Financial Protection Bureau ( CFPB ). 
All references to a NAVIENT account must be deleted immediately and permanently!!!

Company response to consumer: Closed with explanation