{"took":348,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2703593","_score":17.327402,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX XXXX XXXX Navient XXXX XXXX XXXX XXXX, PA XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I called Navient on XXXX XXXX due to a past due balance and inquired about the amount and delinquent status. This was ONLY an inquiry call, as the representative advised that I was out of forbearance options but NEVER had my account reviewed by Navient to have my balance basically start over from zero. He advised that there are options that I can take with Navient to have my account reviewed and basically start my account over again. He advised this was an option and would this be something I would be interest in. I advised NOT at this time, as I did n't know that was an option and will take that into consideration. He advised he would have to send me some information to review and send back. I verified my email address and that was it. I called tonight to pay {$230.00} and the automated system advised my balance was {$25.00}. IMPOSSIBLE ... ..because I have n't made a payment but know that I have to make one, as I was almost 60-90 days before my account going into delinquent. I spoke to several representatives and a supervisor ... XXXX. I explained the issue and advised I want my call pulled. Someone falsified my account and I was filing a complaint. I took called a few times to take the survey,, as the 1st time I asked XXXX to transfer me but he must have stayed on the line because the survey system kept asking saying the same thing after I was trying to make my selection. Apparently, he did n't disconnect the call because if you do n't release the call ... the survey wo n't be activated. Very Poor service ... this company creativity is shot in my book and I want action taken, my account to be reviewed and something to be done ... .I do n't trust this company at this point. I had reservations but now ... .they confirmed my suspicions ... .not creditable. XXXX kept trying to get me to agree to make my account negative again and be reported that way to the credit bureau ... I refused to agree to anything because I never agreed to anything with this company at all ... .I have XXXX and this has impacted my health and I am starting to feel frustrated, pain and inflammation. \nDesired Resolution : Other ( requires explanation ) Desired Outcome I want my account to be reviewed, call pulled from XXXX XXXX, XXXX. \n\nThis was an unauthorized act from Navient - I never agreed to any income default or forbearance","date_sent_to_company":"2017-10-16T23:26:20.000Z","issue":"Written notification about debt","sub_product":"Federal student loan debt","zip_code":"31909","tags":null,"has_narrative":true,"complaint_id":"2703593","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-10-16T23:19:20.000Z","state":"GA","company_public_response":null,"sub_issue":"Notification didn't disclose it was an attempt to collect a debt"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX XXXX XXXX Navient XXXX XXXX XXXX XXXX, PA XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I called Navient on XXXX XXXX due to a past due balance and inquired about the amount and delinquent status."],"company":["Navient Solutions, LLC."]},"sort":[17.327402,"2703593"]},{"_index":"complaint-public-v1","_id":"6331357","_score":16.056646,"_source":{"product":"Student loan","complaint_what_happened":"I had long term loan w XXXX paying for over 15 years on time. With new XXXX terms I was strongly encouraged to file for XXXX relief. I was told I must consolidate my FFLEP loans and transfer to MOHELA. XXXX Mohela account number is XXXX. ** I called XXXX to discuss and MOHELA before applying in late XXXX. In XXXX loan data it showed payments back to XXXX. My payments thru Navient were under {$300.00} until I was told to consolidate by XXXX along with PSLF app. I contacted Mohela and was advised to send XXXX app at same time as consolidation app which I did in XXXX. But once submitted ALL records of my past payments are missing in XXXX and not credited by Mohela towards forgiveness! My new interest is good but starting in XXXX my payments will be {$700.00}! My work history appears to have qualified ( as it should ) but NO CREDIT towards forgiveness for all those years. They have this posted on website as my PSLF status. \nReceived Date Status Description XX/XX/XXXX Processed A notice has been sent. Please allow 7-10 business days for the notice to be received. I called Mohela and they reported previous payments will be posted once confirmed. Confirmed by whom? No record yet and my credit report reflects total debt the same w payments due next month. This makes me worse off than I was. Please investigate.","date_sent_to_company":"2022-12-16T22:03:31.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"971XX","tags":"Older American","has_narrative":true,"complaint_id":"6331357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2022-12-16T21:28:03.000Z","state":"OR","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I had long term loan w XXXX paying for over 15 years on time. With new XXXX terms I was strongly encouraged to file for XXXX relief. I was told I must consolidate my FFLEP loans and transfer to MOHELA. XXXX Mohela account number is XXXX. ** I called XXXX to discuss and MOHELA before applying in late XXXX. In XXXX loan data it showed payments back to XXXX. My payments thru Navient were under {$300.00} until I was told to consolidate by XXXX along with PSLF app."]},"sort":[16.056646,"6331357"]},{"_index":"complaint-public-v1","_id":"3996262","_score":12.850903,"_source":{"product":"Student loan","complaint_what_happened":"I have currently been trying to handle an issue with Navient since the end of XXXX and a late payment that was shown regarding the account in XX/XX/XXXX. I have spoke directly with the company numerous times over the passed 2 years file a dispute originally back in XXXX once the first late payment showed. Wrote a letter explaining the conversation with the agent that stating the accounts were currently out of forbearance unbeknownst to my knowledge, I was told there shouldn't be any worry account were only showing a numbers of days passed due and that it wouldn't effect the bureau or late payment status until after 90 days. Unfortunately the way they had the accounts set up between FEDERAL XX/XX/XXXX and DEPT OF EDU loan the representative had mistakenly input the correct forbearance updates and instead place one of the loans within the incorrect month which then had a negative effect of the bureaus and did show late payment reporting. \n\nOnce notified of the late payment I spoke with supervisors about the account and they informed me to file a dispute and write a letter which was completed and sent in. I was told the accounts would be place on hold until further notice of the investigations and they could extend the forbearance timeframe for me until it was resolved. I had stated that once we could get this figured out I would gladly close out account and move on. I never received updates to the accounts of their investigation from NAVIENT but did show the account had been updated to current but late payment was never removed. \n\nI had made numerous attempts to speak with agents about the payment history and of course every phone called took hours upon end and was told a supervisor would be in touch, which seemed to dragged out with no results. This resulted in the account being place in forbearances again and further investigation without results. It is now XXXX of XXXX and during the time frame and misinformation from numerous call centers reps this resulted in another late payment because they had stated I had ran out of forbearance time. I demanded a supervisor call me directly and needed to speak to someone directly about the investigation. A supervisor had called me and stated that upon phone conversation logs pulled they saw the discrepancy as to what happened with the originally late payment and had requested it be removed which they had requested, but now that there was a new late payment that was considered the XX/XX/XXXX instead of the Dept of Education that they couldn't remove this late payment even though I have called for months and explained what was going on stating that I could and would make the payments I just needed the accounts corrected so everything could report accurately. Supervisor stated that phone calls had been made numerous times a day from their automative system about being past due but I explained that I had spoke with agents about these calls and explained I was told the accounts where supposed to be place on hold while the results of the investigation took place. He stated that even though a mistake was made on there end that I should still keep up with the payment that showed passed due. \n\nAs of XX/XX/XXXX its a blessing and curse at the same time, I finally got in touch was someone willing to take the time and look into everything that should have been done from the beginning. They acknowledge the mistake but said the second late payment was due to my negligence. I expressed that this all originally stems from the mistake back from XXXX and I have made numerous attempts to try and get this handle so we can close out the accounts and move forward with accurate bureaus. I was told by the supervisor that if I didn't agree with the results I could file a dispute but likely would have the same results as to what I was being told on the phone. I currently was over a XXXX credit score that doesn't miss payments and now because mistake it could impact me for the next 7- 10 years. The company has stated there was a mistake they acknowledged the attempts to get the situation handled but wont fully correct appropriately the bureaus that way I can make the payments needed to close out the accounts. \n\nplease see my description as to why I'm filing this dispute. I was told this is my next option or looking into hiring a lawyer to take the next step, appreciate your time and just hoping this helps correct the accountability of the NAVIENT COMPANY.","date_sent_to_company":"2020-12-07T21:42:13.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Federal student loan servicing","zip_code":"40216","tags":null,"has_narrative":true,"complaint_id":"3996262","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2020-12-07T20:28:19.000Z","state":"KY","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I have currently been trying to handle an issue with Navient since the end of XXXX and a late payment that was shown regarding the account in XX/XX/XXXX. I have spoke directly with the company numerous times over the passed 2 years file a dispute originally back in XXXX once the first late payment showed."],"company":["Navient Solutions, LLC."]},"sort":[12.850903,"3996262"]},{"_index":"complaint-public-v1","_id":"8209760","_score":12.097079,"_source":{"product":"Student loan","complaint_what_happened":"I really could use some assistance with having Navient correct the 2 major ongoing issues I am having with my 3 private student loans serviced by them, dating back to the time when Navient and SallieMae were one company. I have brought this to their attention numerous times with no resolution, starting with the first call I had with their supervisor, XXXX, on XX/XX/XXXX. She sent my case to the customer advocate team. On XX/XX/XXXX, I received a letter from Navient dated XX/XX/XXXX. This contained a Declining Balance letter and account history for all private student loans. This history contains the following statement on the bottom of every page : This financial history removes offsetting transaction on your account that do not impact your loan balance. This is to avoid confusion with administrative adjustments processed on your account. I have compared this data to the information available to me when logged into my account on XXXX. I printed the account history for all 3 of my private student loans, along with downloading the CSV file. I have attached scans of these printouts, including my mark-ups, for your reference. When comparing the printout to the declining balance history letter received on XX/XX/XXXX with the account histories printed on XX/XX/XXXX, you will be able to see 3 key differences across all 3 loans. The first is that the Declining Balance letter shows a starting principal balance that matches the amount disbursed on the day it was disbursed. On the scanned printouts, the unpaid principal balance shows an amount considerably higher than what was disbursed. The second is that the XXXX Resale transaction on the account history printout has been omitted in the declining balance history across all 3 loans. The amount of the Resale transaction is the exact difference between the amount disbursed and the unpaid principal balance amount on the day of disbursement. Because interest on a loan is calculated using the unpaid principal balance, and the unpaid principal balance was higher than owed since the date of disbursement, the total amount of interest calculated and either paid or capitalized for the life of the loan is considerably higher than was supposed to be calculated. I also believe that Navient is fully aware of this error and is trying to hide it due to the Resale transactions being omitted. They have since then removed this transaction from my XXXX account history and changed the starting principal balance to match the actual amount disbursed. This is all outlined in detail below. The third key difference is the fact that the Late Fee Reversal transaction was omitted in the Declining Balance History Letter. As you can see by the scanned printouts, on XX/XX/XXXX all late fees currently owed were reversed, rendering them no longer owed. Over the past 10 years, Navient has allocated portions of my payments to pay for late fees that are not owed. \n\nSince receiving this on XX/XX/XXXX, I have spoken to numerous customer service representatives and supervisors. They have created numerous tickets for the customer advocate department. Each time, informing me that Navient has done nothing wrong, then harassing me with multiple daily phone calls from different phone numbers. On XX/XX/XXXX, I sent an email to XXXX XXXX. According to an email I received from her on XX/XX/XXXX, she works in the customer advocate department. She had emailed me an updated copy of the Declining Balance letter, along with copies of my loan applications and other terms of the loans. In response, I attached documented evidence printed from my portal on XXXX clearly showing the errors on my account. On XX/XX/XXXX, I received an email acknowledging receipt of it. Since then, there has been no resolution to these issues. On the XXXX of each month I am faced with a choice to pay a minimum amount to keep negative credit reporting from being reported to the 3 credit bureaus, or cause damage to my credit rating. It is not fair or ethical for a company to continue to put their customer in that position and ignore the evidence that has been presented to them. \n\nDetails for Issue 1 : The first issue dates back to the date of disbursement for each of the Private Student Loans I have serviced with them. From day 1, they had the incorrect unpaid principal balance in place, directly impacting the amount of interest that was calculated and then either paid or capitalized and added to the principal balance. This issue went on throughout the life of all 3 of my private student loans. On XXXX XXXX XXXX, Navient acquired my loans from SallieMae. On this date, the difference between the actual amount disbursed and the incorrect principal balance on date of disbursement was credited to the current outstanding principal balance. This is notated with the description Resale on each of them. What they had failed to do was credit the amount of extra interest calculated for the time period between disbursement and XX/XX/XXXX. Please see below detailing all this out : Per Declining Balance Letter Received XXXX and XXXX printout dated XX/XX/XXXX : The first loan ( XXXX ) was disbursed on XX/XX/XXXX for the amount of {$4600.00}, The second loan ( XXXX ) was disbursed on XX/XX/XXXX for the amount of {$4800.00} The third loan ( XXXX ) was disbursed on XXXX XXXX XXXX for the amount of {$1800.00} Total Actual Amount of Private Student Loans disbursed : {$11000.00} Per XXXX printout dated XX/XX/XXXX : On the date of Disbursement, SallieMae ( Navient ) notated that the unpaid principal balance owed was the following : XX/XX/XXXX ( XXXX ) Unpaid Principal Balance Per Navient/SallieMae : {$9300.00} XXXX XXXX XXXX ( XXXX ) Unpaid Principal Balance Per Navient/SallieMae : {$7700.00} XX/XX/XXXX ( XXXX ) Unpaid Principal Balance Per Navient/SallieMae : {$4000.00} Total Unpaid Principal Balance of Private Student Loans per Navient/SallieMae : {$21000.00} The total actual amount owed after school refunds, prior to interest being capitalized on XX/XX/XXXX : {$6400.00} Total Principal Balance per Navient.com printout dated XX/XX/XXXX after School Refunds, prior to interest being capitalized on XX/XX/XXXX : {$16000.00} The difference between the actual amount owed and unpaid principal balance documented per Navient.com printout dated XX/XX/XXXX is {$9800.00}. This amount is 46.7 % higher than the actual amount owed at the time of disbursement and 60.5 % higher than the actual amount owed after School Refunds were credited to the principal balance. \n\nOn XX/XX/XXXX, interest during the time period between disbursement and that date, was capitalized. The issue is that SallieMae ( Navient ) calculated the interest on the wrong principal balances. This information can be referenced using the XXXX loan history Printouts Dated XX/XX/XXXX and Interest Rate Calculated Using Incorrect Unpaid Principal Balance Comparison PDF files created from the downloaded CSV files from XXXX. Please see below detailing this out : Loan XXXX : Because the Principal Balance per XXXX and downloaded CSV file from XXXX was {$9300.00} on day of disbursement, {$8700.00} on XX/XX/XXXX, {$7700.00} on XX/XX/XXXX, and {$7600.00} on XX/XX/XXXX, the interest that was capitalized on XX/XX/XXXX was {$1200.00}. Based on those facts provided by Navient.com that would make the average interest rate that I was paying during that timeframe 5.888 %, calculated on a daily basis. \nUsing the 5.888 % interest rate calculated daily, using the correct Principal Balance, the total interest, that should have been capitalized would have been {$530.00}. This is a difference of {$750.00} in extra interest being capitalized and added to principal. \n\nLoan XXXX : Because the Principal Balance per Navient.com and downloaded CSV file from Navient.com was {$7700.00} on the day of disbursement, {$6600.00} on XXXX XXXX XXXX, {$5400.00} on XX/XX/XXXX, and {$4500.00} on XX/XX/XXXX, the interest that was capitalized on XX/XX/XXXX was {$710.00}. Based on those facts provided by XXXX, that would make the average interest rate that I was paying 6.455 %, calculated on a daily basis. \nUsing the 6.455 % interest rate, calculated daily using the correct Principal Balance, the total interest that should have been capitalized would have been {$330.00}. This is a difference of {$370.00} in extra interest being capitalized and added to principal. \n\nLoan XXXX : Because the Principal Balance per XXXX and downloaded CSV file from XXXX was {$4000.00} on the day of disbursement, the interest that was capitalized on XX/XX/XXXX was {$170.00}. Based on those facts provided by XXXX, that would make the average interest rate that I was paying 6.810 %, calculated on a daily basis. \nUsing the 6.810 % interest rate, calculated daily using the correct Principal Balance, the total interest that should have been capitalized would have been {$80.00}. This is a difference of {$97.00} in extra interest being capitalized and added to principal. \n\nBased on the above facts and calculations, the total amount of extra interest calculated and capitalized across all 3 private student loans on XX/XX/XXXX was {$1200.00}. This means that on XX/XX/XXXX the total principal balance that SallieMae ( Navient ) had calculated interest on was {$18000.00}. The breakdown for each loan from Navient.com is below. This can be viewed on the Navient.com scanned printout dated XXXX XXXX XXXX \n\nXXXX : {$8900.00} XXXX : {$5200.00} XXXX : {$4200.00} Based on that, on XX/XX/XXXX the principal balance that interest was calculated on was off by {$11000.00}. This is outlined below : XXXX : {$5400.00} ( {$4700.00} Error in principal on disbursement date, plus {$750.00} in extra interest ) XXXX : {$3200.00} ( {$2900.00} Error in principal on disbursement date, plus {$370.00} in extra interest ) XXXX : {$2300.00} ( {$2200.00} Error in principal on disbursement date, plus {$97.00} in extra interest ) This practice of SallieMae ( Navient ) calculating interest on the wrong principal balance owed went on throughout the entire life of all 3 private student loans. This was partly corrected on XX/XX/XXXX. This was the date that Navient took over the loans from SallieMae. On that date, the difference between the actual disbursement and the principal balance keyed in on the date of disbursement was credited back to the principal balance. This is shown on the XXXX printout of my loan history dated XX/XX/XXXX and the Interest Rate Calculated Using Incorrect Unpaid Principal Balance Comparison PDF Files created from the CSV downloads from XXXX. However, they failed to credit back the extra interest calculated and either paid or capitalized using the wrong principal balance. This includes payments that should have been applied to principal when there should have been no interest balance due. All the details and calculations are inside of the attachments provided for each private student loan. \n\nBy the time Navient took over the loan on XXXX XXXX XXXX the total principal balance across all 3 Private Student Loans was off by {$3800.00}. This can be referenced using the Interest Rate Calculated Using Incorrect Unpaid Principal Balance Comparison PDF files created from the downloaded CSV files from Navient.com. The breakdown of this is below. \n\nXXXX : {$2100.00} XXXX : {$1000.00} XXXX : {$650.00} Details for Issue 2 : The second issue starts at the point where Navient had taken over the loans from SallieMae. On XX/XX/XXXX, any and all late fees that were owed at that time were then reversed and no longer owed. This is shown as Late Fee Reversal on all 3 of my private student loans. This is on the scanned printout from XXXX dated XXXX along with the CSV download from XXXX. After this date, Navient applied payments on all 3 loans towards late fees that had been reversed. This directly impacted the principal balance owed because the payment made, was not applied to the principal balance, but to late fees that were at a zero balance. Interest was then calculated on a higher balance caused, not only by calculating interest on a wrong principal balance since the date of disbursement, but also by applying payments towards late fees, when they should have been going to principal. This can all be referenced in the Unowed Late Fees Paid and Extra Interest Paid Due to Misallocation of Payments PDF Files and the Scanned printout from Navient.com dated XXXX \n\nIn addition to the noted above files, I have also attached a word document containing video links of me accessing my XXXX portal. Each time I would access the portal to download, print, or just view history on my private student loans, I would take a video of it to keep a timeline of what I was experiencing.","date_sent_to_company":"2024-01-23T22:32:03.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"440XX","tags":null,"has_narrative":true,"complaint_id":"8209760","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2024-01-23T21:47:20.000Z","state":"OH","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I really could use some assistance with having Navient correct the 2 major ongoing issues I am having with my 3 private student loans serviced by them, dating back to the time when Navient and SallieMae were one company. I have brought this to their attention numerous times with no resolution, starting with the first call I had with their supervisor, XXXX, on XX/XX/XXXX. She sent my case to the customer advocate team. On XX/XX/XXXX, I received a letter from Navient dated XX/XX/XXXX."],"company":["Navient Solutions, LLC."]},"sort":[12.097079,"8209760"]},{"_index":"complaint-public-v1","_id":"5641895","_score":7.840721,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"PAST HISTORY : In XXXX, I borrowed a {$6800.00} loan from Sallie Mae to pay for private tutoring for my ( then ) XXXX XXXX son to prepare for XXXX XXXX entrance tests. His lessons concluded successfully in XX/XX/XXXX. I made payments for about a year. However, due to a XXXX XXXX XXXX XXXX, in which I was unexpectedly poorly compensated ( $ XXXX ) in a XXXX settlement, I eventually became unable to continue with the loan payments. A company representative from Sallie Mae phoned with a threat : either I pay the loan or they would change the private loan to a student loan and block me from ever attending school again. Another phone call was made about three years ago with the exact same threat.\n\nCURRENT ACTIVITY : Two months ago, in XX/XX/XXXX, I was accepted into a XXXX program at a XXXX university back XXXX. I signed up for a XXXX XXXX student loan in XXXX, but was denied due to adverse credit. Sallie May ( now renamed Navient ) had followed up on their threat. On StudentAid.gov, a student loan for {$8000.00} ( appr ) was fraudulently posted from this 17 year old debt ( which would have been charged off ). Also, this company accessed all three credit reporting bureaus ( i.e., XXXX, XXXX, XXXX ) with 10-15 false charges with arbitrary amounts ( e.g., {$200.00}, {$300.00}, etc. ), as having been recently made within the past two years -- now all being more than 120 days old. As a result, my credit rating plummeted XXXX to XXXX points on all three credit reporting bureaus. I made a complain with XXXX ; they contacted the company to no avail. I was instructed to contact the FCC with a complaint. However, my complaint ( w/ the complaint number and all relevant information was immediately erased ). Someone has been hacking my telephone and computer records continually. I have found that no private information is ever safe anywhere ( e.g., even while readying this complaint this am on my laptop, I watched my desktop computer suddenly shut off partially, showing a prompt that photos were being accessed -- without my permission ). \n\nDOCUMENTATION : Consumers are instructed to keep financial data for up to seven years. Therefore, most people would not have any proof against this type of activity from XXXX years ago. However, I am enclosing documents that show proof of loan amount from a screenshot from my online account and signed information for the private tutoring ; this was not a student loan for myself, but a private loan for my son. It should be stated that he went on to not only earn XXXX XXXX XXXX but, also, just XXXX XXXX XXXX last month. \n\nXXXX XXXX XXXX XXXX XXXX : As a XXXXXXXX XXXX XXXX who has been on a federal XXXX for two decades ( i.e., XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), I am now fighting for my basic survival. Sallie Mae 's illegal activity has now pushed my finances on the brink to force me into immediate XXXX, next month. Although I went through XXXX XXXX w/ the State of California XXXX who allowed me to earn my advanced degrees, e.g., I, too, XXXX from XXXX last year with my XXXX XXXX Yet, the prospect of gaining employment in a post-COVID world is very slim. After years of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did well to XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and was prepared to launch an XXXX XXXX However, the pandemic blocked me from returning to employment to earn income for XXXX Then, all ( XXXX ) Pandemic-related benefits for us, \" XXXX '' or XXXX XXXX abruptly ended in XX/XX/XXXX, right before I could advertise my XXXX XXXX or launch my online XXXX. Now, two months ago, in XXXX, my CA COVID-19 Rent Relief benefit ended. The second and last payment is due in the mail anytime. Yet, I am now three months in arrears ; and state eviction protections ends on XX/XX/XXXX. Therefore, I was quite pleased to have received an Financial Aid Awards Letter on XX/XX/XXXX from the university showing that I had been granted a {$8600.00} XXXX XXXX student loan and a Federal Unsubsidized loan for {$26.00} for my summer semester classes that begin on XX/XX/XXXX, which I immediately accepted. I also applied for a XXXX XXXX with results pending until XXXX, next month. Yet, due to Sallie Mae/Navient 's illegal actions, the university abruptly cancelled my Financial Award letter. Now, the ONLY financial aid I have is for a meager {$26.00}. Yet, I already owe more than {$3000.00} in tuition for the summer semester. Both of the threatening Sallie Mae representatives were brazen in their boasts that I would not be able to do anything about their illegal activities. The company would succeed in absolutely ruining my life, and I would have no recourse. Thus, now, I can not take out a business loan, buy property, rent a property, buy a car, go to school, open a department store account, buy goods or services online, etc. My credit rating is in the \" poor '' category. Yet, before, with my previous XXXX rating, I would have qualified for a FHA home loan ( which requires XXXX plus ). \n\nMORE EXAMPLES OF BRAZEN BEHAVIOR AGAINST AMERICANS : I have seen such brazen and illegal activity repeatedly in my life : e.g., in my XXXX XXXX XXXX XXXX XXXX ) case, the defense lawyer laughed in my face and my lawyer 's face at the XXXX XXXX courthouse, saying that they knew I had been XXXX XXXX XXXX XXXX, but they would get away with not having to pay. He had just come from the federal courtroom, where he had just promised the judge that they would pay that very day. I had already been made to wait almost a year for any XXXX payments and was in dire straits ( e.g., I also was made to wait three years for Social Security benefits and XXXX XXXX which was a completely unprecedented waiting period ). Yet, I had just proven with documentation submitted to/by my California assemblyman representative that test results were being changed, doctor records deleted, and other fraudulent activity occurring to destroy my XXXX case. ). \n\nAnother example of fraud occurred, which resulted in the majority of my XXXX XXXX being wrongfully taken by a federal judge in XXXX, who instructed my former husband how to do so -- four years after our marriage was over. The awarded amount was approximately $ XXXX ; I received $ XXXX. My lawyer said XXXX and XXXX had no choice, but to pay him. During our marriage dissolution case in XXXX, the same judge allowed him to fraudulently report a $ XXXX annual income, when his earnings were actually in the six figure range. As a result, I was only given {$75.00} every two weeks ( or $ XXXX ) in alimony to this day. My former husband also was later allowed to wrongfully seize all proceeds of our home sale, and instructed by the judge how to take my portion of his pension ( although I stayed home to raise our children at his request ) ; my future social security pension at age XXXX from his account, and my 401K portion of his pension ( he retired about three years ago ). Yet, sadly, in XXXX, my children and I had previously been ordered by XXXX XXXX Sheriff, into an XXXX XXXX XXXXXXXX for four months because of his activities. I had to go to court to fight for the right to have four hours to collect our possessions. \n\nAlso, I was XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, three weeks before my XXXX XXXX A XXXX man waited in his car on the opposite side of the street with no parked cars to impede his view. When he saw me, while laughing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No lawyer would take the case. A deputy district attorney even told me 'not to go there ' in describing what had happened ; in other words, I did not even have a right to expose his potentially-deadly crime. Yet, my car with only {$4500.00} worth of damages was only compensated with {$1800.00} ; my injuries were compensated for only {$500.00}. I had to pay all of my own medical expenses, tests, etc., when the case was clearly acknowledged as solely being 'at fault ' with the other driver. Other people are given huge settlements in such cases. \n\nIt would frighten any federal representative reading this complaint, if I were to describe the type and numbers of unimaginable hate crimes being perpetuated continually in this country against my person, possessions, records, finances, etc. I have included these extra details because they are directly related to a seemingly-ORGANIZED ongoing pattern. My former husband fought this, too, during our marriage, and finally gave in. Nevertheless, we have an amiable relationship for the sake of our children. \n\nI have always reported these problems to every level of government possible, e.g., XXXX XXXX Sheriff, FBI, Department of Homeland Security, Workers Compensation Audit Board, Department of Consumer Affairs - Automotive Division in California, etc. \n\nThe results are always the same : all cases are always summarily dismissed, evidence is thrown out from doctors, political representatives, etc., and these brazen activities, with their detrimental effect against my life, are allowed to stand. \n\nThankfully, against all of the odds lined up against us, my son and daughter, under my tutelage did quite well ; my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is about to be married. Our faith in our Savior and L-RD Jesus stands as a testament to His faithfulness. \n\nCONCLUSION : I really do not wish to lose my townhouse apartment with all of my possessions regained from the past 25 years, next month. Is my entire family really supposed to witness the soon financial destruction of their mother, a XXXX citizen who raised them well -- all because those who act illegally and brazenly, are ALWAYS allowed to do so freely, and, so well -- that they have absolutely no concern of any repercussions or prosecution. Another name for when this occurs is \" corruption, '' a concept which is usually considered indicative of foreign governments. \n\nTherefore, this complaint represents one more determined attempt to have my grievances addressed. XXXX XXXX starts on XX/XX/XXXX. I will have to XXXX XXXX XXXX in two days, if the XXXX does not act on my appeal. Any/all federal student aid will be lost, consequently. Yet, I really do not need an delinquent student bill. \n\nLast week, studentaid.gov representatives only phoned twice at inopportune hours ( e.g., XXXX, XXXX ), and my phone did not ring. Therefore, I made two more phone calls with representatives requesting agent calls on my behalf, over the past three business days. Yet, the normal follow-up phone calls were not made. \n\nHowever, I was only asking for an email address, so that I could follow the website 's instructions to document my description of the adverse situation. Sallie May ( or Navient ) is one of their largest loan providers at StudentAid.gov. Therefore, this refusal to receive my documents may be a sociopolitically or financially-motivated decision. Yet, they were bailed out in the billions of dollars by the federal government back during the XXXX recession, when their corporation experienced the inability to pay their debts. So, is this really a right response to an American citizen, such as myself, facing a personal debts, after repeatedly being deprived of rightful resolutions to my financial situation? \n\nSo, here is one last comment. I did not mention that I am a XXXX XXXX. Consequently, how much does XXXX AND XXXX play into all of these incidents, as a major factor? \n\nYet, as a XXXX woman, I believe that, we, must have enduring civil rights and legal rights in this country. Being a natural-born American should mean that we have the right to live and thrive here in our own country, doesn't it? \n\n-- -- -- -- -- -- -- -- - WHAT WOULD BE A FAIR RESOLUTION? \nMy ongoing fight against unjust situations, as described in my FTC complaint, has resulted in occasional challenges to my credit file. However, according to the criteria issued by the StudentAid.gov office, only Sallie Mae 's actions resulted in the adverse credit denial of my XXXX XXXX loan. \n\nTherefore, a fair resolution to my FTC complaint is for Sallie Mae ( aka Navient ) to immediately make the following actions : ( 1 ) Immediately remove all of the false charges ( approximately 10-15 of varying arbitary amounts ) which were fraudulent posted onto the three major credit bureaus, i.e., XXXX, XXXX, XXXX. \n\n( 2 ) Contact the StudentAid.gov website to fully remove the private loan from my financial records. ( Note : Two weeks ago, I found the loan posted, showing approx. {$8000.00} owed. Then, the dollar amount was replaced with the words \" N/A '' ; however, the negative report still remains under the corporation 's name.\n\n( 3 ) Allow me the right to live, i.e., to XXXX XXXX XXXX continue my life, and have the finances I need to pay for my household expenses. By doing so, I will be able to immediately utilize my XXXX benefits to pay for XXXX XXXX XXXX XXXX and launch my XXXX XXXX. My XXXX was highly rated by XXXX XXXX XXXXs in America, as having the ability to become a XXXX. My online business would also do well in my XXXX XXXX XXXX XXXX Therefore, I would be able to pay off the entire loan, if not immediately, then, a reasonable payment schedule could be arranged ( e.g., appr. $ XXXX ). \n\n( 4 ) Issue a letter of apology to my school and myself for the unimaginable emotional distress inflicted by their fraudulent activity and the loss of my academic-religious reputation, by falsely being made to appear financially irresponsible, right before beginning XXXX studies.","date_sent_to_company":"2022-07-08T14:58:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5641895","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2022-06-07T17:41:58.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Yet, the normal follow-up phone calls were not made. \n\nHowever, I was only asking for an email address, so that I could follow the website 's instructions to document my description of the adverse situation. Sallie May ( or Navient ) is one of their largest loan providers at StudentAid.gov. Therefore, this refusal to receive my documents may be a sociopolitically or financially-motivated decision."],"company":["Navient Solutions, LLC."]},"sort":[7.840721,"5641895"]},{"_index":"complaint-public-v1","_id":"7787824","_score":3.5824463,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX To : XXXXTo begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. \n\n( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right. \n\nRe : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY XXXX XXXX AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT. \n\nTo Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND XXXX DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, XXXX XXXX compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for XXXX to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and XXXX XXXX XXXX form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \n\nXXXX initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the XXXX. The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has are porting relationship. AUDs are initiated by the XXXX to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the XXXX in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. XXXX XXXXXXXX may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT XXXX XXXX XX/XX/XXXX {$6800.00} NAVIENT XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX XX/XX/XXXX {$6000.00} XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXX XX/XX/XXXX {$5700.00} XXXX XXXX XX/XX/XXXX {$6000.00} XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$7200.00} XXXX XXXX data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information. \n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate.\n\n3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted XXXX XXXX XXXX compliant reporting format REQUIRES the precise and exact fully complete XXXX P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the XXXX XXXX system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, XXXX is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified XXXX XXXX compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the XXXX XXXX data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. XXXX XXXX compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the XXXX, any and all CRA insourced DISPUTE Specialist MUST BE XXXX XXXX Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX XXXX XXXX data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the XXXX XXXX XXXX COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX-character P-SEGMENT true, correct, and complete to standards of CERTIFIED XXXX XXXX COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \n\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXXcharacters of the exact and fully compliant XXXX statement, any alpha/numeric and or alphanumeric XXXX code deciding the leftness or rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below. \n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. \n\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. \n\nThank you for your time and help in this matter. \n\nSincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX","date_sent_to_company":"2023-11-01T12:24:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29678","tags":null,"has_narrative":true,"complaint_id":"7787824","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-01T12:24:47.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I also request that you please send notices of corrections to anyone who received my credit report in the past six months. \n\nThank you for your time and help in this matter. \n\nSincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX"]},"sort":[3.5824463,"7787824"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6}]}},"product":{"doc_count":6,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Student loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":2},{"key":"Private student loan","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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