Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11631660
Complaint Overview
Complaint ID: 11631660
Company: Navient Solutions, LLC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Maryland
ZIP Code: 20854
Date Received: 2025-01-19T12:00:00-05:00
Date Sent to Company: 2025-01-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to dispute inaccurate information contained in my Credit Report - XXXX, date XXXX. Upon reviewing my XXXX credit report, I discovered multiple issues regarding the accuracy of the account for the Navient listing. There are multiple inaccuracies, to include inaccuracies regarding the reason for transferring the account, the date of account transfer, the company to which the account was transferred to, the accuracy of the account payment history status, and possible duplicative entries- Navient and the Dept of Ed reporting the same information and account balance on the same dates. I am requesting that XXXX investigate and verify the items outlined below. I have attempted to address these items in previous disputes and had to contact the CFPB for further support. These issues are unfairly harming my credit score and violates the Fair Credit Reporting Act ( FCRA ), which ensures that credit reports contain only accurate, complete, and verifiable information. XXXX. Navient Account Number : XXXX Issue : The comment on this account states ACCOUNT TRANSFERRED OR SOLD STUDENT LOAN 180 DAYS OR MORE PAST DUE. Navient 's contract with the Department of Education to service Direct Loans ended in XXXX. Navient was mandated by the Department of Education to transfer the loan. Requested Action : Investigate the date of transfer, the reason for the transfer, and the name of the company the account was transferred to. Update entry based on results of investigation. Provide detailed documentation supporting the current status. Entry Found On : Page 44 of 85 2. Navient Account Number : XXXX Issue : The comment on this account states ACCOUNT TRANSFERRED OR SOLD STUDENT LOAN 180 DAYS OR MORE PAST DUE. The PAYMENT HISTORY on this account since XXXX indicates that the account was Paid On Time and No Data Available. Requested Action : Investigate and verify the PAYMENT HISTORY and the accuracy of the COMMENTS included about the account. Update comment based on results of investigation. Provide detailed documentation supporting current status. Entry Found On : Page 43 of 85 3. Navient Account Number : XXXX Issue : The Account History balance indicates that the account had an outstanding balance in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Requested Action : Investigate the date in which the account was transferred. Update account history ( balance ) and the account comments based on results of investigation. Provide detailed documentation supporting current status. Entry Found On : Page 42 of 85 4. DEPT OF ED ( CLOSED ) Account Number : XXXX Issue : The Account History balance indicates that the account had an outstanding balance in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The report is currently showing that I was maintaining two separate account balances for the same student loan during the same time frame. Requested Action : Investigate if Navient ( Page 42 of 85 ) and the DEPT OF ED is reporting duplicative information. Please see Account Details on Page 43 of 85 and Page 54 of 85, High Credit and Date Opened. Update account history ( balance ) and the account comments based on results of investigation. Provide detailed documentation supporting current status. Entry Found On : Page 53 of 85
Frequently Asked Questions
What is Complaint #11631660 about?
Complaint #11631660 was filed against Navient Solutions, LLC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-01-19T12:00:00-05:00.
How did Navient Solutions, LLC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Navient Solutions, LLC.?
Yes, visit the Navient Solutions, LLC. company profile at readthecomplaint.com/company/navient-solutions-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.