Consumer complaint received 2024-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XX/XX/year>, I sent Affidavits of Truth, notarized under the penalty of perjury, to Navient, " Customer Advocate '' XXXX XXXX XXXX XXXX XXXX ( CFO ) requesting a full disclosure and accuracy of debt. 

These are the items I requested for disclosure : The original Navient loan application with the signature of all parties involved. 
Navient 's agreement and terms, including all amendments and modifications to the original loan agreement. 
A detailed breakdown of the loan amount, including the principal, interest, fees, and other charges. 
Complete payment history for the loan, including all payments made, dates, amounts, and how they were applied ( interest, principal, fees ). 
Documentation of the chain of ownership or assignment of the loan, including any transfers or sales to third parties. 
Evidence that the Navient loan or agreement was not securitized or sold to any entity, including the United States Securities and Exchange Commission. 
The name and address of the true original creditor, Navient is a servicer and not the original creditor. 
Evidence of value or equal consideration provided by Navient in connection with this loan. 
Evidence that the statute of limitations on the loan has not expired. 
Navient s loan servicing records, including any adjustments, fees, interest rate changes, or modifications made to the account. 
A binding legal agreement between XXXX XXXX and Navient. 
Full account activity records, showing all financial transactions related to the loan, including payment applications, interest accruals, fees, and any other charges or adjustments. 

Laws Violated Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq.

Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

Consumer Financial Protection Bureau ( CFPB ) Regulations Navient, " Customer Advocate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) were provided more than 60 business days to satisfy my lawful request for disclosure. It's been close to a year and they continue to fail to provide my lawful request fully. Instead, they sent old printout statements that prove nothing and don't come close to satisfying my request for disclosure.

Laws Violated Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq Consumer Financial Protection Bureau ( CFPB ) Regulation Uniform Commercial Code ( UCC ), Article 9 XXXX XXXX, XXXX XXXX, and Navient continue to expect payment while reporting incorrect information and late payments on my private consumer report. This is a total violation of my consumer rights. XXXX XXXX, XXXX XXXX, and Navient continue to fail at proving if the debt is valid and accurate. I've contested this with XXXX and XXXX but Navient continues to spread false and incorrect information about this account while operating in default by grossly failing a request for disclosure and accuracy of debt. This has caused unnecessary hardship in my daily life and has caused me to miss out on financial opportunities that required my credit to be at its normal score. 

Laws Violated Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq Consumer Financial Protection Bureau ( CFPB ) Regulations Florida Consumer Collection Practices Act ( FCCPA )- Fla. Stat. 559.55 et seq Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) - Fla. Stat. 501.201 et seq Florida Fair Credit Reporting Act ( FFCRA ) - Fla. Stat. 501.005 My last correspondence email was to Navient 's Board of Directors, the " Guarantor '' of the account Trellis Company, and to XXXX XXXX. This was another attempt to enforce my rights while escalating the matter. 

To my surprise, my enforcement affidavit was effective as I saw XXXX XXXX  return to my credit score, This was a clear admission to Navient 's unlawful practices. Unfortunately, XXXX XXXX, XXXX XXXX, and Navient are still reporting incorrect information and expressing missed payments while in breach of federal and state law. All communication has ceased as XXXX XXXX, along with all Navient employees and affiliates, have stopped responding to me. 

Laws Violated Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq Florida Consumer Collection Practices Act ( FCCPA )- Fla. Stat. 559.55 et seq I also blame XXXX, XXXX, and XXXX for my current financial hardship. I've attempted to ensure they don't allow unlawful companies like Navient to report incorrect information onto my private credit profile, but they ignored my request and evidence while taking the word of XXXX XXXX, XXXX XXXX, and Navient. 

Law Violated Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

I am fully prepared to escalate this matter beyond the CFPB complaint, including pursuing state and federal adjudication, where XXXX XXXX and XXXX XXXX will be named as defendants. In addition to this, I will take the following actions : File IRS Forms 3949-A and 211 : I will contact the IRS to request an audit and investigation into potential tax-related violations by submitting forms 3949-A ( Information Referral ) and 211 ( Whistleblower Award for Reporting Tax Violations ).

Contact the Federal Trade Commission ( FTC ) : I will file a complaint with the FTC to address unfair or deceptive practices by Navient, as they are in violation of consumer protection laws. 

Notify the Attorney General : I will also escalate this issue to the Attorney General in both my state and at the federal level, requesting an investigation into Navients unlawful actions. 

These steps will ensure that all involved, including XXXX XXXX XXXX XXXX XXXX, will be held accountable under the penalty of perjury and that they can not evade the legal consequences of their actions.

Company response to consumer: Closed with explanation