Several years ago, I learned of XXXX student loans on my credit report when applying for a home loan. I contacted XXXX XXXX and they stated that I cosigned my ex-wife 's loans. I denied ever signing her loans and requested a copy of the contracts. After many months of many requests, XXXX XXXX sent the contracts without my signature but with an unknown email address and random sequence of numbers. When I spoke to XXXX XXXX, they said that the contracts had been signed electronically with the falsified email addresses ( XXXX separate email accounts ). I denied ever having access to these email accounts and asked how my identity was validated, which I never received a response. Instead, I was referred to their fraud department. 

XXXX XXXX 's fraud department instructed me to file a police report to have my name removed from these accounts. Immediately, I filed an identity theft report with the FTC, police report with my local police department and the police department where the fraud occurred. Neither police department would pursue the case because the majority of the loans were outside of the statute of limitation. Secondly, I was informed by XXXX the detectives that because the allegation of fraud was my ex-wife, the issue was a civil matter, not criminal. 

When I contacted XXXX XXXX with this information, they told me that they would not remove my name from the account without validation of forgery from the police. They recommended that I take my ex-wife to court. Afterwards, I retained an attorney and was awarded an enforcement order against my ex-wife to indemnify me from these loans. During the legal process, the loans transferred to Navient Corporation. I spoke to their fraud department and sent a copies of the the court order and police reports ; signed affidavits from people that could attest that I never used the email accounts used to cosign my name in the loans ; proof of an unrelated document that I discovered my ex-wife had forged my signature ; copies of tax returns to demonstrate false information provided about my employer and salary ; and proof that I had been XXXX and XXXX when XXXX the loans were signed. Navient did not respond. 

After I had received the court order, my ex-wife defaulted on the loans. Consequently, Navient has reported this information on my credit report, resulting in a XXXX point loss in my credit score. This has resulted in revocation of credit lines with my banks. Also, I have been counseled by my employer that my security clearance may be revoked as a result. 

I tried resolving this issue with Navient but they will not release my name from their records. It appears that my only recourse is to spend an additional $ XXXX for an attorney to hold my ex-wife in contempt. Regardless, this will not stop Navient from trying to collect from me.