Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
- I am disputing inaccurate reporting of a Navient private student-loan tradeline ( account ending * * XXXX * * ) on my XXXX  report. 

XXXX : Navient accepted XXXX {$67000.00} settlement on this account. Terms : {$20000.00} down by XX/XX/XXXX and XXXX XXXXXXXX from XX/XX/XXXX through XXXX/XXXX/XXXX, then {$500.00} on XXXX/XXXX/XXXX XXXX and XX/XX/XXXX : {$20000.00} down payment in two payments {$8000.00} via my attorney and {$12000.00} via bank wire. 

XXXX present : I have paid every XXXX XXXX  monthly installment on time. 
( Examples reflected on XXXX own Balance History : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ) - Despite the settlement and ongoing payments, XXXX continues to report Account charged off Past due and shows a changing balance/past-due amount. 

Conflicting / inaccurate reporting : TransUnion deleted the identical Navient tradeline after its investigation ( late XX/XX/XXXX ). I have the XXXX deletion letter. 

XXXX  has shown multiple different balances ( {$160000.00} previously ; now {$160000.00} as of XX/XX/XXXX ) while still coding it as a live charge-off with the entire amount past due. 

XXXX portal is internally contradictory- one page displays the tradeline, but the Important Information About Your Dispute Results page says DISPUTED ITEM NOT LISTED ON CREDIT REPORT. I saved both screens. 

XXXX servicing ambiguity : XXXX correspondence ( XX/XX/XXXX Account Information Change ) says it services my federal loans ( XXXX XXXX XXXX ). In XXXX portal, the only Navient-related loan shown is FFELP acct ending XXXX with Current Owner : Navient Federal Loan Trust . The disputed private Navient account ending XXXX does not appear anywhere in XXXX portal. If XXXX relied on XXXX to verify the private tradeline, that procedure is unreasonable. Please require XXXX to identify the furnisher actually used for verification and either delete the tradeline or recode it to Settled {$0.00} with all CO and past-due notations removed. If XXXX claims to service the private account, please require the chain of assignment and immediate XXXX XXXX correction to Settled {$0.00}. 

Investigation / requests I already made... 
After an initial XXXX  dispute was returned verified as accurate ( late XX/XX/XXXX ), I sent XXXX a Method of Verification ( MOV ) request and Full Consumer File Disclosure request by Certified Mail delivered XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

I asked for a description of the procedure used the business name/address/phone of the furnisher contacted, and the documents/data relied upon ; and for my full file including any suppressed/split segments and internal identifiers tied to this tradeline. 
I have not received an adequate MOV response ; instead, the XXXX portal still shows the contradictions above. 

Why this is inaccurate... 

The account is under a binding settlement and is being paid as agreed. Accurate XXXX XXXX reporting should be Paid/Settled for less than full balance, Balance {$0.00}, Past Due {$0.00} with no ongoing charge-off ( CO ) codes. 
Reporting the entire settled balance as past due * while also reflecting my monthly payments is contradictory. 
XXXX conflicting portal messages indicate an unreasonable reinvestigation and a failure to assure maximum possible accuracy. 

Not part of this dispute ( to avoid commingling ) My XXXX portal lists a separate FFELP loan ( account ending XXXX XXXX XXXX XXXX XXXX XXXX  with Current Owner : Navient Federal Loan Trust and an original principal around {$25000.00}. That federal loan is not the disputed private Navient account ending XXXX XXXX XXXX XXXX XXXX. Please do not commingle these two distinct obligations.

What I want the companies to do... 

Delete the Navient tradeline from XXXX  as unverified/inaccurate or Recode it accurately to Settled / Paid for less than full balance, Balance {$0.00}, Past Due {$0.00}, and remove all charge-off coding. 
Provide the MOV details and full consumer file as requested. 

Attachments I will upload XXXX deletion letter XXXX " verified notice and the two XXXX XXXX XXXX XXXXXXXX screenshots ( tradeline present + DISPUTED ITEM NOT LISTED XXXX XXXX. Current XXXX tradeline page showing {$160000.00} balance ( as of XX/XX/XXXX ) and the Balance History entries with my payments.

4. Settlement agreement ( accepted XX/XX/XXXX ) and my wire/payment ledger XXXX. XXXX screenshot showing the separate FFELP account ending XXXX XXXX. XXXX Account Information Change letter ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation