Consumer complaint received 2025-07-04 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: MS

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by TransUnion on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by XXXX on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by TransUnion on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : COUNT NAMES & DEPT OF XXXX account XXXX XXXX, NAVIENT SOLUTIONS account XXXX, ,DEPT OF Ed account XXXX, DEPT OF Ed account XXXX DEPT OF Ed account XXXX, DEPT OF Ed account XXXX XXXX DEPT OF Ed account XXXX, DEPT OF Ed account XXXX DEPT OF Ed account XXXX, DEPT OF Ed account XXXX, DEPT OF Ed account XXXX, DEPT OF Ed account XXXX, XXXXEPT OF Ed account XXXX, DEPT OF Ed account XXXX, FED LOAN SERVICING XXXX XXXX ,FED LOAN SERVICING XXXX accounts XXXX my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. XXXX has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). XXXX  is flagrantly disregarding consumer protection statutes. I did not receive any notice from : XXXX & XXXX XXXX XXXX account # XXXX, NAVIENT SOLUTIONS account XXXX, ,DEPT OF Ed account XXXX, DEPT OF Ed account XXXX DEPT OF Ed account XXXX, DEPT OF Ed account XXXX , DEPT OF Ed account XXXX, DEPT OF Ed account XXXX DEPT OF Ed account XXXX, DEPT OF Ed account XXXX, DEPT OF Ed account XXXX, DEPT OF Ed account XXXX, DEPT OF Ed account XXXX, DEPT OF Ed account XXXX, FED LOAN SERVICING XXXX XXXX ,FED LOAN SERVICING XXXX accounts XXXX my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the XXXX breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that transunion remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely,

Company response to consumer: Closed with explanation