Navient has violated the Fair Credit and Reporting Act by continued aggressive collection activities and harassing calls even after I submitted a formal debt dispute letter. After they received the letter they did n't respond addressing the required area and just sent me the promissory notes for my XXXX loans. The dispute is around the material change in loan terms, their ability to collect the debt, and even validating they own the debt. 

They did not adequately address the dispute letter and are in violated federal law by continued collections.