Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Dispute Navient Student Loan Debt Not Properly Discharged per Federal Relief Programs Dear CFPB Representative, I am filing this formal complaint against Navient and the associated credit reporting agencies for their failure to accurately report and discharge my student loan debt that qualifies for cancellation under the Biden administrations federal loan forgiveness initiatives. 

Background : The loan ( s ) in question were serviced by Navient and should have been canceled or discharged under XXXX or more of the following programs : The Income-Driven Repayment ( IDR ) account adjustment The Public Service Loan Forgiveness ( PSLF ) waiver The Borrower Defense to Repayment Or the broader One-Time Federal Student Loan Cancellation Plan Despite being eligible, my credit report continues to reflect this loan as active and/or delinquent, which is inaccurate, harmful, and a violation of federal relief policy and my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Legal Grounds for Dispute : FCRA 605 ( a ) and 607 ( b ) : Inaccurate Reporting The reporting of this debt is materially inaccurate. By continuing to reflect this loan on my credit file when it should have been discharged, Navient and the credit bureaus are violating FCRA requirements to maintain fair and accurate reporting.

FCRA 611 : Dispute Process and Reinvestigation I formally request that Navient and the credit bureaus conduct a reinvestigation of this account, and provide : A complete payment and discharge history Any legal basis they are using to justify the continued reporting Documentation that proves the loan is not eligible for forgiveness Violation of Executive and Department of Education Directives The Department of Education has publicly stated that eligible federal student loan borrowers will have balances discharged under specific relief plans. If Navient failed to apply these changes or is improperly servicing the loan, they are in violation of federally issued guidance and executive orders.

Harm to Credit and Well-being This misreporting has caused financial hardship, limited access to credit, and emotional distress. It is also in direct conflict with my rights under the Equal Credit Opportunity Act ( ECOA ) and the Fair Debt Collection Practices Act ( FDCPA ) where applicable. 

Requested Action : Immediate removal of this Navient student loan from my credit report with all credit bureaus ( XXXX, XXXX, XXXX ) Full explanation from Navient regarding why this loan remains on file despite federal cancellation eligibility Investigation into whether Navient has violated federal loan discharge mandates or mishandled account servicing I am requesting swift action to resolve this matter. Please find attached documentation supporting my eligibility for forgiveness ( e.g., Department of Education notices, PSLF paperwork, income certification, etc. ). 

If not resolved promptly, I reserve the right to pursue legal action, notify my Congressional representatives, and escalate through all available channels. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation