Consumer complaint received 2016-10-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I noticed that you have tapped into my credit report and pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC1692c you do not have the authority to even contact me about some purported/alleged debt. I do not recognize you being a Creditor of mine. I have not obtained verification, nor validation that we have a contract signed by myself and you binding me to even acknowledge you as a Creditor. I have explained to you on more than one occasion that you ca n't report derogatory information into my credit reports erroneously just because you say you purchased something that you think is of value pursuant to 15USC1692e ( 12 ) the false representation or implication that accounts have been turned over to innocent purchasers for value. You better take this information out of my files immediately before you have to pay the Consumer monetary damages. Your CORPORATION continue to call me knowing this Credit was satisfied. You continue to harass the Consumer pursuant to Consumer protection laws, and now you are using profane and obscene language to oppress the Consumer. These are Consumer Protection law violations. I have successfully disputed this alleged DEBT so please remove from the Credit Reporting Agency and do not try to put it back on. This information was DELETED AND NOW it appears again. This is another Consumer Protection Violation that has occurred. 

You did not obtain my permission or a competent Court of Jurisdiction, The United States District Court 's permission pursuant to 15USC1692k ( 2 ) ( d ). You need to keep your nose out of private business, and mind your own, you all sound like you suffer from XXXX and need to get checked for this XXXX. You also need to be XXXX for dipping into my private business. 

I am the Consumer pursuant to 15USC1692a ( 3 ), and you are the DEBT COLLECTOR pursuant to 15USC1692a ( 6 ), this was not under a Contract for Business, Commerce, and Trade, but because you do not know the difference that is why you try to invade my privacy, and put my information on the Credit Bureaus websites and this is another violation which can be construed as Aggravated Identity Theft 18 USC 1028A Section ( 8 ) section 523 of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6823 ) ( relating to obtaining customer information by false pretenses ) This is a Felony and I will hold a woman/man responsible for releasing/leaking out this erroneous information and putting it onto my Credit Reports without my permission. 

Your XXXX has to be evaluated if you think for one moment that I owe NAVIENT a dime. I did not sign a contract with your CORPORATION and I do not owe anything. Where did you obtain my private information and who gave it to you and did you steal it from somewhere? If so please tell me where it was obtained so they can go to Court along with your CORPORATION. The Consumer has the full faith and Credit of the United States. You better get all of the proof of discharge from XXXX XXXX, they are deceiving you thinking that I owe anything on this alleged DEBT. Just like XXXX XXXX XXXX states the Consumer has the right to be treated fairly and to be told the truth. You are not telling the truth, I am going to give you 3 days to take this erroneous information off of my Credit Reports. Also send the Consumer {$60000.00}. Or we will go immediately to the United States District Court, to get my money you owe me for putting this information on my Credit Reports. This information was deleted and rightly so because of my discharge, and here you are again putting it back on my Credit Reports, which is another violation. Please CEASE AND DESIST THIS DERAGATORY INFORMATION.

Company response to consumer: Closed with explanation