Consumer complaint received 2026-01-26 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: OK

Complaint narrative:
Dear Navient Customer Advocate Team, This letter serves as a formal rebuttal to your inadequate CFPB response dated [ Approximate Date of Their Response ], which evaded my core complaints and inappropriately shifted blame to my XX/XX/XXXX, contact restriction request. As clarified previously, any such request ( if made in response to harassing calls ) does not waive your obligations under FDCPA 805 ( c ) to provide required written notices, debt validation ( 809 ), or transfer notificationsit only limits certain contacts, not all accountabilities.

New evidence enclosed ( XXXX  credit report dated XX/XX/XXXX ) reveals additional FCRA violations : The report inaccurately lists the Date of First Delinquency as XX/XX/XXXX and ties the First Major Delinquency to XX/XX/XXXX, when the actual first delinquency occurred in XX/XX/XXXX under Sallie Mae ( prior to Navients formation ).

This improper re-agingresetting delinquency dates to appear more recentillegally extends the 7-year reporting period for this private student loan, harming my credit and violating FCRA 611/623 by furnishing inaccurate information to credit bureaus. Re-aging is prohibited, illegal, and it misrepresents the debts age and has been the basis for lawsuits against servicers like Navient.

These reporting errors compound the unaddressed shell game of transfers : From Navient to XXXX ( despite default exceptions ), then XXXX to XXXX XXXX in XX/XX/XXXX, with no bills, statements, or contact since. XXXX XXXX confirmed on XX/XX/XXXX AND XX/XX/XXXX via Phone and they have no file or recordmatching XXXX  verbal statement of a failed transfer.

Your response vaguely mentioned an outside agency without proof, violating FDCPA fair collection standards and causing undue stress amid my total and permanent XXXX. This mirrors Navients history of mishandling discharges and steering borrowers from relief ( e.g., XXXX CFPB actions ). 

Your handling of my XXXX XXXX  review remains insufficient providing only a modification notice without full discharge substantiation or re-review allowance, despite program eligibility for private loans.

Pursuant to FDCPA 805-809 and FCRA 611/623, demand within 30 days : A. FULL DELETION OF ACCOUNT B. 1. Full explanation of the XXXX contact restriction application and resumption of required written communications.

2. Complete transfer history/agreements ( Navient-XXXX XXXX ), confirmation of current holder, and proof of proper file handoffaddressing the confirmed failure.

3. Verification of {$17000.00} balance, full account history, and reasons for no outreach since XX/XX/XXXX. 
4. Immediate correction of credit reporting inaccuracies ( e.g., re-aging ), investigation/deletion of the tradeline from all bureaus, and written confirmation.

5. Re-review/processing of XXXX  discharge, including XXXX docs, current criteria, full balance cancellation, and refunds for post-disability payments.

6. Restitution for violations, including penalties on parties involved, compensation for credit damage, emotional distress, and lost opportunities ( e.g., denied mortgage ).

DELETE ACCOUNT or Cease collections until resolved. Responses must be written. Non-compliance escalates to further CFPB/AG/FTC actions and legal remedies.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation