topic Navient/Aidvantage Loans in Forbearance but Still Reported As Late in Student Loans

Navient/Aidvantage Loans in Forbearance but Still Reported As Late

One2zerojihawat — Mon, 06 Mar 2023 13:35:58 GMT

Title as it reads. I had Sub and Unsub Stafford Navient loans that reported 90's twice in 2018 and consolidated to anyone other than Navient in 2020. I know the late payment history is incorrect as I requested documentation from AidVantage regarding payment status of accounts. The documentation clearly shows that I was never in repayment for the dates in question and was in forbearance so late payment would be.... impossible especially a 90.

Using AidVantage's own documentation, I disputed with all 3 CB including Innovis. Equifax and Innovis investigated and updated to show positive payment status. TU and Experian both kicked back as verified.

I called both.

TU agent informed me that there was a forbearance coding that wasn't included in the original dispute. OK, fine resubmitted. Waiting.

Experian...no love from them at all other than dispute again. Ok, waiting.

I haven't disputed with AidVantage yet and probably will pending the outcome of the two disputes.

Any advice on additional steps to take?

Re: Navient/Aidvantage Loans in Forbearance but Still Reported As Late

donkort — Mon, 06 Mar 2023 22:09:10 GMT

Was it verified that the lates were erroneous?

If not, maybe ask to speak to a supervisor....

Re: Navient/Aidvantage Loans in Forbearance but Still Reported As Late

One2zerojihawat — Thu, 12 Oct 2023 18:20:56 GMT

It was with the other bureaus. Transunion still is not reporting correctly.

Supervisor told me to kick rocks basically.

Re: Navient/Aidvantage Loans in Forbearance but Still Reported As Late

Schwia2 — Wed, 06 Mar 2024 06:54:21 GMT

Did you ever get this resolved? I am in the same situation. And have so far only disputed with experian