Consumer complaint received 2026-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Your Name ] XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau RE : Complaint ID [ Insert CFPB Complaint Number ] Subject : SUPPLEMENTAL INFORMATION REGARDING XXXX  XXXX XXXX XXXX STATUS AND ONGOING VALIDATION FAILURES ( NAVIENT, XXXX, AND XXXX ) To the CFPB, Navient Solutions , LLC, XXXX, and XXXX : I am submitting this supplemental information in connection with my open complaint ( Account # XXXX ). On XX/XX/XXXX, I received correspondence from the Project on Predatory Student Lending ( PPSL ) the legal organization representing borrowers in the XXXX  XXXX XXXX class actionconfirming that I am listed in Department of Education records as a " XXXX  Post-Class Applicant. '' A copy of this correspondence is attached. 

This confirmation has direct and material implications for the pending dispute with Navient, XXXX, and XXXX regarding debt validation, credit reporting, and securitization. 
XXXX. Confirmation of XXXX  Class Status and Legal Deadlines The XXXX correspondence confirms that my Borrower Defense to Repayment ( BDR ) application is part of the XXXX  XXXX XXXX settlementa federal class action with court-ordered deadlines and oversight. 

Under the XXXX settlement, post-class applicants ( those who applied between XX/XX/XXXX, and XX/XX/XXXX ) were required to receive decisions by XX/XX/XXXX. The court recently rejected the Department of Education 's attempt to extend this deadline by 18 months, holding firm to the original timeline for Exhibit C schools and setting an XX/XX/XXXX deadline for remaining post-class applications. 

Legal Significance : My loans are under active federal adjudication through a court-supervised settlement The Department of Education XXXX has acknowledged these loans XXXX qualify for discharge Any collection or reporting activity by Navient, XXXX, XXXX XXXX during this adjudication is premature and potentially prejudicial to my rights under the XXXX  settlement XXXX. The Roles of Each Entity and Why Each Is Responsible My complaint involves XXXX entities, each with distinct but overlapping responsibilities. Their attempts to shift blame among themselves do not absolve any of them. 
Entity Role Key Failures Navient Solutions , LLC Originator and former servicer ; identified in SEC filings as " master servicer and administrator '' for securitized loan portfolios Failed to validate chain of title ; refuses to provide securitization documents ; transferred servicing to avoid accountability ; subject to $ XXXX CFPB settlement and XXXX lawsuits XXXX  Interim or successor servicer ; provided insufficient " validation '' consisting only of old Master Promissory Notes Failed to address securitization ; provided only partial documentation ; continued reporting during BDR review XXXX letter dated XX/XX/XXXX confirms account in Administrative Forbearance yet failed to suppress credit reporting XXXX Current servicer ; now handling day-to-day servicing after Navient 's transfer Continuing collection and XXXX on unvalidated debt ; subject to XXXX  court oversight ( ordered to meet with PPSL attorneys XX/XX/XXXX ) ; can not rely on Navient 's transfer to avoid responsibility for current reporting XXXX. The Transfer Defense Is Legally Insufficient Navient 's response that I should " deal with XXXX '' and XXXX 's silence on the matter are procedural dodges that ignore several critical facts established in public records. 

XXXX Navient 's Banned Status and Ongoing Liability As reported in multiple financial outlets, Navient reached a settlement with the CFPB in XX/XX/XXXX that : Banned Navient from servicing federal student loans Required Navient to pay {$120.00} XXXX in restitution and penalties Acknowledged a pattern of loan mismanagement and inaccurate payment collections The transfer to XXXX was not an ordinary business decisionit was a direct consequence of Navient 's regulatory violations and the CFPB 's enforcement action. Navient can not use a transfer it was forced to make as a shield against its own prior misconduct. 

XXXX XXXX 's Interim Failures XXXX provided a letter dated XX/XX/XXXX, confirming my account was in Administrative Forbearance pending XXXX review. Yet XXXX  : Failed to provide full validation when requested Offered only old Master Promissory Notes, ignoring securitization questions Continued to report the debt to credit bureaus as " accurate '' while its validity was under federal adjudication XXXX 's inadequate response and continued reporting compound the harm. 

XXXX Navient 's Role as Originator and Master Servicer Public SEC filings for XXXX Student Loan Trusts identify Navient Solutions , LLC as the " master servicer and administrator '' for securitized loan portfolios. As the originator and master servicer, Navient retains legal responsibility for : The chain of title and securitization documentation The accuracy of data transferred to XXXX and later to XXXX Historical credit reporting during its tenure as servicer XXXX XXXX 's Court-Ordered Oversight On XX/XX/XXXX, the XXXX  court ordered the XXXX major federal student loan servicersincluding XXXX XXXX with XXXX attorneys to improve complaint handling and communication with class members. This demonstrates that XXXX is directly subject to court oversight in the XXXX case and can not claim ignorance of class member rights. 
XXXX. Renewed Demand for Full Validation ( Including Securitization ) The confirmation of my XXXX  class status does not eliminate the need for validationit amplifies it. If my loans are ultimately discharged under XXXX, the question of whether Navient, XXXX, and XXXX have been collecting on invalid or improperly securitized debt becomes even more critical. 

I renew my demand for the following documentation, which must exist if my loans were properly originated and transferred : A. Securitization Documents The name of the specific trust holding my loan ( e.g., XXXX Student Loan Trust ) The Indenture Trustee and Eligible Lender Trustee ( commonly XXXX Bank entities in XXXX trusts ) The CUSIP number for the specific tranche allegedly containing my loan The Pooling and Servicing Agreement or Indenture governing the trust B. Chain of Title Documentation Complete transactional history from origination ( Navient ) to any trust, to XXXX  ( if applicable ), to XXXX Proof of assignment demonstrating legal standing to collect at each stage All documents required under the Master Sale Agreement referenced in SEC filings XXXX XXXX Reporting History Complete " life of loan '' accounting showing all payments and allocations Verification that data transferred between servicers was scrubbed of any errors ( including the " D.O.G.E. '' glitch ) Documentation supporting any deferment or forbearance periods Explanation of why XXXX and Navient continued reporting during Administrative Forbearance XXXX. The Consequence of Non-Validation : XXXX Balance and Deletion Required If Navient, XXXX, and XXXX can not produce the documentation demanded aboveindividually or collectivelyit constitutes an admission that the debt is not real and can not be enforced. Therefore : Immediate Deletion Required : All three entities must immediately instruct all credit reporting agencies ( Equifax, Experian, TransUnion ) to delete all trade lines associated with this account. A " XXXX balance '' is insufficientthe entire entry must be removed because the debt was never proven valid. 

Joint and Several Liability : Navient 's status as originator, XXXX 's interim failures, and XXXX 's continued reporting mean they are jointly responsible for the harm caused. They can not hide behind the transfer chain. 

Cease All Collection Activities : Until validation is provided, all collection efforts must cease. 

Credit Reporting Freeze : Any continued reporting during this dispute violates the Fair Credit Reporting Act ( FCRA ). 

Pattern of Conduct : Public records confirm that Navient faces ongoing lawsuits alleging FCRA and FDCPA violationsthe exact statutes underlying my complaint. 

XXXX. Connection to the XXXX XXXX XXXX and Reconsideration Process PPSL is hosting a virtual town hall for XXXX  post-class applicants on Thursday, XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX The agenda includes : Updates on litigation developments XXXX on how to apply for reconsideration if a denial notice was received I will be attending this town hall and intend to raise the issue of servicer conduct during XXXX review. If XXXX provides guidance that servicers should not be reporting or collecting during this period, I will submit that guidance as further supplemental information to this complaint. 
XXXX. Human Rights Framework ( XXXX XXXX XXXX & XXXX XXXX XXXX ) The securitization and speculative trading of student loan debt transforms educationa fundamental human right under XXXX XXXX XXXX and XXXX  Article XXXX a commodity. When the chain of title is broken or unprovable, it creates a clouded title on a right that should be treated as a public good. 

Navient, XXXX, and XXXX can not claim the protections of commerce ( selling debt as securities ) while ignoring the burdens of proof required by law. Their collective failure to validate forces me to defend against collection on debt whose very existence and ownership can not be proven, while my underlying right to education remains compromised. 
XXXX. Damages for Credit Harm The failures of Navient, XXXX, and XXXX are not merely administrative oversightsthey have caused tangible, prolonged harm to my creditworthiness and financial life. 

For years, these entities have reported this debt to credit bureaus as " accurate '' and " current '' despite : The debt being under active federal adjudication through the XXXX  class action My account being placed in Administrative Forbearance ( confirmed in writing by both Navient and XXXX  ) Their inability to provide basic validation documents, including chain of title and securitization proof Public records showing Navient 's pattern of XXXX XXXX and its {$120.00} XXXX CFPB settlement The Impact on My Credit : Harm Category Description Credit Scores Depressed credit scores due to inaccurate reporting of debt whose validity can not be proven Housing Opportunities Difficulty securing rental housing, as landlords routinely check credit reports Employment Potential adverse impact on job opportunities, particularly in positions requiring credit checks Interest Rates Higher interest rates on any credit I might obtain due to artificially depressed scores Financial XXXX  Years of stress and uncertainty caused by fighting unvalidated debt while watching my credit deteriorate Time and Resources Countless hours spent researching, writing letters, filing complaints, and fighting to clear my name These entities can not continue reporting debt they can not validate and then claim no responsibility for the resulting credit damage. Their failure to prove the debt exists does not just mean the debt disappearsit means they must compensate me for the years they spent trashing my credit based on unproven claims. 
Conclusion and Demands Based on the foregoing, I demand the following : # Demand Responsible Party XXXX Provide full securitization XXXX XXXX, including trust name, Indenture Trustee, and CUSIP Navient ( originator/master servicer ) XXXX Provide complete chain of title documentation from origination to present Navient ( originator ) XXXX Explain why validation was insufficient and why reporting continued during forbearance XXXX  XXXX XXXX accuracy of all data transferred between servicers, including " D.O.G.E. '' glitch remediation Navient and XXXX XXXX Freeze all collection and credit reporting activities until validation provided XXXX ( current servicer ) XXXX Delete all trade lines entirely if validation not provided within 15 days All Three, jointly XXXX Pay monetary damages for credit harm caused by years of inaccurate reporting on unvalidated debt All Three, jointly and severally The specific amount of damages will be quantified based on the duration of reporting, the impact on my credit scores, and the concrete financial harms I have suffered ( including but not limited to higher interest rates, denied opportunities, and emotional distress ). I am prepared to provide documentation of these harms as this complaint proceeds. 

If Navient, XXXX, and XXXX fail to provide the requested validation within 15 days, their collective inaction constitutes an admission that the debt is unenforceable, and continued reporting will be met with further legal action, including complaints to the FTC regarding pattern and practice violations and a suit for damages under the FDCPA and FCRA. 

Sincerely, XXXX XXXX Without Prejudice | UCC 1-308 Attachments : PPSL email dated XX/XX/XXXX confirming XXXX  post-class status

Company response to consumer: Closed with explanation