Date Received: 2021-12-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaint. NAVIENT XXXX XXXX : {$6900.00} ;
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-05
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Navient has continued to illegally compel me to make payments on the account number XXXX that was included in my XX/XX/2009 XXXX XXXX Bankruptcy discharge/disposition. It is illegal for a creditor to knowingly induce a former debtor to pay a debt that has been discharged and continue to house the account with the credit bureaus, impacting my ability to attain any measurable financing for my upward mobility in the interests of my family. Navient must cease and desist from further request for me to pay the debt and must remove it from my credit record and contact all the Credit Bureaus and request its removal from my credit profile with deliberate speed. Sincerely! XXXX XXXX
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2021-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Credit Union Rejected Loan Application or increase in credit due to a low credit score and has incorrect information regarding student loan payments which has gone on for 20 years because of the XXXX situation. Credit Union XXXX XXXX XXXX XXXX XXXX ) uses XXXX to report and submit credit lines. Yet they are not connected to XXXX, XXXX ( security ) for privacy safety issues. Since they use XXXX, I lost points as I paid for XXXX for over a year trying to gain credit points, but the Credit Union didn't allow a connection to my account to see how I paid my bills. This cost points. They use the money, but they do not participate in the XXXX XXXX XXXX ( {$240.00} yr ) could have assisted a climb in my credit score. I've paid off loans, and as much as the COVID system has allowed, I pay my bills on time.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Navient is calling me to ask about my daughter here she is. I get calls from Navient a least XXXX times per day. Navient is calling me my son my ex-husband asking about my Daughter we don't know she is. She has not talked to us for a least XXXX years. How do I spot getting calls from XXXX? This is been going on for about XXXX year. Please help. Thank you
Company Response:
State: CA
Zip: 93422
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letter to DEPT OF ED/NAVIENT the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NAVIENT XXXX XXXX XXXX XXXX XXXX, NAVIENT XXXX XXXX
Company Response:
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Continue to experience incorrect information that is being reported on my credit report by XXXX. This has been an ongoing issue for years. I submitted my credit report and have disputed the results ; as it shows XXXX XXXX ) account closed of which the company went out of business. However, I still had a balance which is paid faithfully every month. XXXX has the account in a " Negative '' Account Activity status. I have also attached the Credit Report from XXXX. I would like XXXX to update the status to a Positive Account Activity. # XXXX XXXX also has on my Credit Report five ( 5 ) Student Loans from ( NAVIENT ) there is only one main account # XXXX ; although, they show all five on the report as " Open '' and they should be closed and removed as the school ( XXXX ) that I was attending closed due a loss of accreditation. Prior to the school closing I had applied for numerous loan forgiveness ; only to be charged higher interest rates and fees. I also completed and submitted the government school closure application, and ( NAVIENT ) responded and the representatives also confirmed that I qualified for the student loan discharge. I have also filed a Consumer Complaint Against ( NAVIENT ) with the Attorney General Office with the Department of Justice for their un-law practices and harassment. I would receive 7 to 10 calls daily, and the calls never stopped during the onset of the COVID Pandemic, they just increased. I would like to have XXXX remove ( NAVIENT ) as negative and from the report. email : Navient.com XXXX reports XXXX on my credit report and this account should be removed as this account was transferred to another lender XXXX. XXXX was sued by the former Attorney General XXXX XXXX for their unethical mortgage financing practices for fraudulent foreclosures and fees. I have filed a Consumer Complaint Against XXXX XXXX XXXX with the Attorney General Office Department of Justice to investigate XXXX and XXXX as they have the ( XXXX ) XXXX XXXX XXXX which is the new lender in a Negative Account Activity and the payments are current. See attachment XXXX Credit Report. XXXX XXXX
Company Response:
State: CA
Zip: 94801
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I had applied for forbearance XX/XX/XXXX and was granted a year and told to reapply in XX/XX/XXXX. Then last month XXXX times a day Im getting calls for Navient who is reporting all mg loans are behind which is not true due to all my loans are federal and there is also a pause by the government until XXXX not to mention I did forbearance till XXXX. They are calling my family, friends and my work. I have told them do not call many times I want communication via mail. The people are rude. They are calling for many numbers XXXX ( XXXX ) XXXX is the most recent one. Today starting at XXXX am so far I have received XXXX calls and its XXXX pm they will keep coming until XXXX :
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave Department of Education/Navient any written consent to report anything on my consumer reports. no consent is identity theft. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation. Any credit transaction suppose to be excluded from a consumer credit report if a social security card was used in the transaction. According to 15 U.S. code 1666b the timing of payments, Department of Education/Navient is in violation to my consumer rights. Reporting any late payments on a open-ended consumer credit plan is illegal. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.
Company Response:
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with NAVIENT. I have always made my payments on time. For some reason, I realized that there were 90 days late payments on my credit report for the month of XX/XX/XXXX and 120 days late payments for the month of XX/XX/XXXX and XX/XX/XXXX. I have read enough to understand my rights. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ;
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A