<prompt> Human: After doing my taxes with TurboTax, I was coerced into signing up for Intuits Turbo product. Among other things not 100 clear what else they monitor my credit. I didnt think I needed this - I do the three credit bureaus every year and also have Credit KArma.But Turbo uncovered a report from Navient showing Im more than a year behind in payments. This had not shown up in other reports.I called Navient and, after updating the information they showed for me, which was more than 10 years old, they confirmed that the report was true. They also confirmed that I had two loans with them - one which I actually did pay off.And thats the thing, I didnt think I had more than one loan with them. I paid the other one off about a year or two ago. For that loan - tied to my same social security number - we received all of the relevant bills and information at my current address, which means they had the means to contact me about this. They claim to have sent a ton of mailings both to the address they had on file which, as I said, we moved from more than a decade ago as well as to the emergency contact my mother, who passed away 13 years ago.But I know for a fact they had my updated information because of the other loan that I paid off. At that time, I thought I was done with them. But, apparently, there was another loan.Any advice on how I should proceed here? Having typed all this, I think my next steps will be for them to send me everything they have on BOTH loans. I have a sneaking suspicion, Im being double tagged on this loan - that there was only one, but they show two erroneously.Any other thouhts?  <response>: I think youre spot on -- make them prove it with promissory notes for both loans, and whatever other documentation they have. If their case is weak, submit that to the credit bureaus for removal. 