I defaulted on my private student loan account due to a bank error, in which my check was returned although I had sufficient funds to cover the payment. In turn, this caused further delinquencies on my joint private student loan account, which has been negatively reported to the XXXX major credit bureaus. 

Attached is a letter from my bank, explaining the bank error that caused my account to go delinquent in XXXX 2015. I have tried disputing this directly with Navient and supplied them with the a copy of the bank letter, copies of all XXXX credit reports and they have denied my request to remove the negative credit markers against me, even though this was something beyond my control. 
I am asking that the delinquent markers be removed from all major credit reporting agencies.