Navient Student Loan Complaint

Navient Student loan department,

Non-federal student loan Dealing with my lender or servicer Trouble with how payments are handled California

NAVIENT is in direct violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My complaint is very simple, once I am granted a deferment on any student loan, NAVIENT automatically reports the account as 90 days late. Now how can that be without a 30 and 60 day late payment history before it. It 's because NAVIENT uses the credit reporting system illegally, using it as a means to destroy a person 's personal credit history without merit or recourse. This practice has been consistent for decades, and I will seek private counsel to file suit if necessary. My student loans are now and have been in payment deferment since I obtained them. NAVIENT IS VIOLATING MY FCRA AND FDCPA RIGHTS. I DEMAND A CFPB INVESTIGATION ON THIS ABUSIVE CREDIT REPORTING PRACTICE TO CEASE THIS ACTIVITY ON AMERICAN CONSUMERS!!! NAVIENT MUST DELETE ALL NEGATIVE CREDIT HISTORIES ON ME IMMEDIATELY AND PERMANENTLY!!!