{"took":81,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":30,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12322679","_score":23.163013,"_source":{"product":"Student loan","complaint_what_happened":"I previously submitted a complaint regarding the unauthorized access of my federal student loan records ( Case # XXXX ), but the response provided by Nelnet failed to address my concerns. Nelnet issued a generic response about compliance laws but did not confirm or deny whether my student loan records were accessed, altered, or transferred without my authorization. \n\nKey Issues in the Original Response : Nelnet did not provide an access log showing whether unauthorized access occurred.\n\nNelnet did not confirm or deny whether my records were accessed without my consent. \nNelnet did not outline any investigation into potential unauthorized access. \nGiven the seriousness of a potential breach of my personal and financial data, I am formally requesting the CFPB re-open my complaint and require Nelnet to provide specific answers to the following : Was my student loan data accessed or modified by an unauthorized party? \nProvide a detailed log of all access attempts to my loan records. \nWhat investigation, if any, has Nelnet conducted into this potential breach? \nWhat safeguards has Nelnet implemented to ensure my private data is protected moving forward? \nAdditionally, I request that the Department of Education investigate Nelnets handling of my records and determine whether a data breach occurred. If Nelnet is unwilling to provide this information, I will escalate my concerns to the XXXX  XXXX XXXX XXXX of XXXX XXXX ( XXXX ) and the Federal Trade Commission ( FTC ). \n\nThis issue requires immediate attention, and I request a full investigation and response within 30 days.","date_sent_to_company":"2025-03-05T22:24:32.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"12322679","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-03-05T22:17:17.000Z","state":"CA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["What <em>investigation</em>, if any, has <em>Nelnet</em> <em>conducted</em> into this <em>potential</em> breach? \nWhat safeguards has <em>Nelnet</em> implemented to ensure my private data is protected moving forward? \nAdditionally, I request that the Department of Education <em>investigate</em> <em>Nelnets</em> handling of my records and determine whether a data breach occurred. If <em>Nelnet</em> is unwilling to provide this information, I will escalate my concerns to the XXXX  XXXX XXXX XXXX of XXXX XXXX ( XXXX ) and the Federal Trade Commission ( FTC )."],"company":["<em>Nelnet</em>, Inc."]},"sort":[23.163013,"12322679"]},{"_index":"complaint-public-v1","_id":"21118437","_score":19.61615,"_source":{"product":"Student loan","complaint_what_happened":"I am submitting this complaint regarding my federal student loan serviced by Nelnet. Around XXXX, I became aware of a data breach involving Nelnet that compromised the personal information of millions of borrowers, including potentially my own. Since that time, I have had ongoing concerns about the security of my information and the handling of my account. \n\nFollowing this incident, I have experienced difficulty obtaining clear guidance and assistance from Nelnet regarding my account status and available options for relief, including loan forgiveness or discharge. I have made multiple attempts to seek support and clarification but have not received consistent or adequate responses. \n\nAdditionally, I am concerned about the accuracy and fairness of how my account may be reported or handled. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to expect that any information reported about my account is accurate, complete, and properly investigated if disputed. I am requesting that Nelnet ensure full compliance with the FCRA, including conducting a reasonable investigation into my account and correcting or removing any inaccurate or questionable information. \n\nGiven the data breach and the challenges I have faced in resolving my concerns, I am requesting a full review of my account and consideration for loan forgiveness, discharge, or other appropriate relief. I also request clear communication regarding my eligibility for any available programs. \n\nThis situation has caused financial stress and concern about potential identity theft or misuse of my information. I am seeking a timely resolution and assurance that my account is being handled in compliance with all applicable federal laws and consumer protection standards.","date_sent_to_company":"2026-04-10T04:20:44.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"28215","tags":"Servicemember","has_narrative":true,"complaint_id":"21118437","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2026-04-10T03:53:44.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to expect that any information reported about my account is accurate, complete, and properly <em>investigated</em> if disputed. I am requesting that <em>Nelnet</em> ensure full compliance with the FCRA, including <em>conducting</em> a reasonable <em>investigation</em> into my account and correcting or removing any inaccurate or questionable information."],"company":["<em>Nelnet</em>, Inc."]},"sort":[19.61615,"21118437"]},{"_index":"complaint-public-v1","_id":"17836650","_score":19.4106,"_source":{"product":"Student loan","complaint_what_happened":"Consolidation History Company : Nelnet What happened I am filing this complaint because Nelnet has failed to investigate significant errors on my federal student loan account prior to consolidation, despite multiple requests. \nI asked Nelnet to provide : A complete pre-consolidation payment history, Account-level records showing how my payments were applied, Any documentation explaining changes to my loan balances prior to consolidation, and Records required under federal servicing standards so I can verify my balance and eligibility for programs. \nNelnet refused to investigate the errors I identified stating that anything pre-consolidation is not their responsibility and even after that can only share what was sent by previous servicer ( as per conversation on XX/XX/year> at XXXXXXXX XXXX with supervisor XXXX XXXX, call should be recorded ). Their failure to investigate the dispute violates federal servicing requirements, including the duties to : Acknowledge and investigate borrower disputes, Provide supporting documentation upon request, and Maintain accurate payment histories, including pre-consolidation data. \nBecause Nelnet did not review the discrepancies I reported, I have no reliable way to verify the accuracy of my consolidated loan balance. \nWhat I requested from Nelnet I specifically requested that Nelnet : Research payment-application errors that occurred before my consolidation date. \nProvide a full account payment history for the underlying loans that were consolidated. \nExplain discrepancies in balances, capitalization events, and applied payments. \nCorrect any errors found in the underlying accounts. \nNelnet did not provide the required documents and did not conduct a proper investigation. \nWhy this is a problem Nelnets refusal to investigate or provide accurate account information has caused the following harm : I can not confirm whether my consolidated loan balance is correct. \nI can not determine whether I qualified for forgiveness programs due to possible misapplied payments or forbearance steering. \nI am unable to audit my repayment history because the pre-consolidation data is missing or incomplete. \nThis prevents me from understanding my legal obligations or correcting potential servicing errors. \nWhat I want the CFPB to do I am requesting that the CFPB require Nelnet to : Conduct a full investigation into all pre-consolidation loan errors I identified, Produce a complete and accurate pre-consolidation payment history for all loans included in my consolidation, Provide documentation supporting the calculation of my final consolidated balance, Correct any servicing errors or misapplied payments, and Provide a written explanation resolving each issue. \n\nIssues are as follows : XXXX placed me in and out of forbearance in error th is capitalizing interest. 1st forbearance started on date payment started after I had made a payment 2 weeks prior interest capitalized in the amount if {$340.00} on same day.","date_sent_to_company":"2025-11-24T21:01:26.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"17836650","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-11-24T20:47:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["This prevents me from understanding my legal obligations or correcting <em>potential</em> servicing errors."],"company":["<em>Nelnet</em>, Inc."]},"sort":[19.4106,"17836650"]},{"_index":"complaint-public-v1","_id":"15583413","_score":19.379818,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the inaccurate and unlawful reporting of my student loan accounts with the DEPARTMENT OF EDUCATION XXXX NELNET. Multiple accounts, including those ending in XXXX, XXXX, XXXX, and XXXX, opened between XXXX and XXXX with balances ranging from {$820.00} to {$2500.00}, are being reported to the bureaus with XXXX late payments for XX/XX/XXXX and XXXX late payments for XX/XX/XXXX. This reporting is inaccurate and does not reflect the true status of these accounts. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to provide only accurate, complete, and verifiable information. Reporting false or misleading information to the bureaus constitutes a violation of federal law and harms my creditworthiness.\n\nAs a furnisher, the DEPARTMENT OF EDUCATION / NELNET has a legal duty to ensure that all information provided to the bureaus is correct and verifiable. Providing derogatory entries that are inaccurate violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which prohibits furnishers from knowingly providing false information. The incorrect reporting of 90-day and 120-day late payments is misleading, unverified, and materially impacts my financial profile. Supplying inaccurate information demonstrates negligent and potentially willful noncompliance with federal obligations and consumer protection statutes.\n\nAdditionally, FCRA Section 623 ( b ) requires that furnishers conduct a reasonable investigation when a consumer disputes inaccurate information. DEPARTMENT OF EDUCATION / NELNET has failed to fulfill this requirement by continuing to report erroneous late payments to the bureaus. Failure to investigate and correct these inaccuracies constitutes a willful disregard for statutory obligations and undermines the integrity of the credit reporting system. Such conduct exposes the furnisher to regulatory scrutiny and potential legal liability.\n\nThe impact of these inaccuracies is significant. False derogatory marks on my accounts can lower my credit score, increase borrowing costs, and limit access to fair credit opportunities. Congress enacted the FCRA to prevent precisely this type of harm from negligent or willful misreporting. By continuing to report unverified late payments to the bureaus, the DEPARTMENT OF EDUCATION XXXX NELNET is creating unlawful damage to my credit history and financial reputation. This type of reporting can not be justified under federal law.","date_sent_to_company":"2025-08-28T18:15:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77007","tags":null,"has_narrative":true,"complaint_id":"15583413","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-08-28T18:04:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Supplying inaccurate information demonstrates negligent and <em>potentially</em> willful noncompliance with federal obligations and consumer protection statutes.\n\nAdditionally, FCRA Section 623 ( b ) requires that furnishers <em>conduct</em> a reasonable <em>investigation</em> when a consumer disputes inaccurate information. DEPARTMENT OF EDUCATION / <em>NELNET</em> has failed to fulfill this requirement by continuing to report erroneous late payments to the bureaus."],"company":["<em>Nelnet</em>, Inc."]},"sort":[19.379818,"15583413"]},{"_index":"complaint-public-v1","_id":"13369826","_score":19.12958,"_source":{"product":"Student loan","complaint_what_happened":"I am writing to formally file a complaint against Nelnet concerning the misreporting of my federal student loan account. Despite my timely and full payments, Nelnet has inaccurately reported my account as delinquent to the credit bureaus, resulting in an unjustified and significant drop in my credit score. \n\nThis action is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which stipulates that a furnisher of credit information must not report inaccurate information to a consumer reporting agency. Furthermore, under 15 U.S. Code 1681s-2 ( b ), once a consumer disputes the accuracy of any reported information, the furnisher is legally obligated to conduct a reasonable investigation and promptly correct any inaccuracies found. \n\nI have made all required loan payments on time and in full, and I have documentation to prove this. Nelnets failure to correct this errordespite my repeated efforts to resolve it directlyconstitutes not only negligence but potential willful noncompliance with federal consumer protection laws. \n\nI respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel Nelnet to : Immediately correct the inaccurate delinquency report with all credit reporting agencies. \n\nNotify all affected credit bureaus of the correction as required under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). \n\nProvide written confirmation of the correction and explanation for the initial error. \n\nThe misreporting has already caused material harm to my financial standing, including diminished access to credit and potentially higher interest rates. I seek a full remedy and restoration of my credit profile as it existed prior to this incorrect delinquency report. \n\nPlease let me know if you require any further documentation. I appreciate your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-06T19:58:39.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"95076","tags":null,"has_narrative":true,"complaint_id":"13369826","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-05-06T19:55:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Nelnets</em> failure to correct this errordespite my repeated efforts to resolve it directlyconstitutes not only negligence but <em>potential</em> willful noncompliance with federal consumer protection laws. \n\nI respectfully request that the Consumer Financial Protection Bureau <em>investigate</em> this matter and compel <em>Nelnet</em> to : Immediately correct the inaccurate delinquency report with all credit reporting agencies. \n\nNotify all affected credit bureaus of the correction as required under 15 U.S."],"company":["<em>Nelnet</em>, Inc."]},"sort":[19.12958,"13369826"]},{"_index":"complaint-public-v1","_id":"8274249","_score":18.749971,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a matter of great concern related to my Department of Education/Nelnet student account. It has come to my attention that there are potential violations of the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974.\n\nI believe that the Department of Education and Nelnet, the loan servicer, may have violated my rights under these federal statutes. FERPA applies to any public or private elementary, secondary, or post-secondary school, as outlined in 20 U.S.C. 1232g ( b ). The FCRA, found in 15 U.S.C. 1681, regulates the collection, dissemination, and use of consumer credit information. Additionally, the Privacy Act of 1974, codified in 5 U.S.C. 552a, safeguards the privacy of individuals ' personal information held by federal agencies.\n\nI am particularly concerned about the recent practice of Nelnet reposting transaction history to my credit report. This unauthorized reposting of transaction history has had a significant impact on my credit standing, and I believe it constitutes a violation of the FCRA and FERPA.\n\nDespite my efforts to address these concerns directly with the Department of Education/Nelnet , I have encountered significant challenges in obtaining a satisfactory resolution.\n\nI am seeking the Consumer Financial Protection Bureau 's intervention to investigate these alleged violations thoroughly and ensure that my rights are protected and upheld under FERPA, FCRA, and the Privacy Act. I believe that a comprehensive review of the matter will shed light on the potential breaches and facilitate a resolution.\n\nEnclosed with this letter, you will find copies of relevant documents of my credit score.\n\nI kindly request that you conduct a thorough investigation into this matter and take appropriate action to address any identified violations under FERPA, FCRA, and the Privacy Act.\n\nThank you for your prompt attention to this issue. I look forward to a resolution that ensures the protection of my rights under these important federal statutes.","date_sent_to_company":"2024-02-02T19:39:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48237","tags":null,"has_narrative":true,"complaint_id":"8274249","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-02-02T18:44:56.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I kindly request that you <em>conduct</em> a thorough <em>investigation</em> into this matter and take appropriate action to address any identified violations under FERPA, FCRA, and the Privacy Act.\n\nThank you for your prompt attention to this issue. I look forward to a resolution that ensures the protection of my rights under these important federal statutes."],"company":["<em>Nelnet</em>, Inc."]},"sort":[18.749971,"8274249"]},{"_index":"complaint-public-v1","_id":"12073814","_score":18.173368,"_source":{"product":"Student loan","complaint_what_happened":"To Whom It May Concern, I am filing a formal complaint regarding a potential breach of contract, privacy violation, and FERPA ( Family Educational Rights and Privacy Act ) non-compliance concerning my federal student loan information managed by Nelnet. \n\nI have reason to believe that my confidential student loan information may have been accessed, viewed, or misused without my consent in violation of : 1. FERPA ( Family Educational Rights and Privacy Act ) Protects student records, including loan information.\n\n2. The Privacy Act of 1974 Limits how federal agencies share personal data.\n\n3. Breach of Contract My loan servicer ( Nelnet ) and the Department of Education have a legal obligation to protect my sensitive financial data. \n\n4. Consumer Protection Laws If my loan data was accessed by an unauthorized third party, this could be a case of fraud or negligence. \n\n\n\nAs a borrower, I signed a contract assuming that my loan servicer ( Nelnet ) and the Department of Education would protect my information from unauthorized access. \n\nIf XXXX XXXX or any unauthorized entity accessed federal loan data, this could be a serious breach of confidentiality under FERPA and Privacy Act regulations. \n\nAny unauthorized third-party surveillance or data breach compromising my financial records creates potential for identity theft, fraud, and contract violations. \n\n\n\n1. Conduct a full audit of who has accessed my student loan information.\n\n2. Provide written confirmation of whether any third-party entity has had access to my personal or financial records.\n\n3. Explain whether my student loan servicer ( Nelnet ) has reported any data breaches regarding borrower accounts.\n\n4. Determine whether unauthorized access qualifies for loan forgiveness due to contract violation.\n\n5. Outline steps for corrective action to ensure that no further unauthorized access occurs.\n\nI demand immediate investigation into this matter, as my loan servicer and the Department of Education are responsible for ensuring the security of my private data. If my rights under FERPA and the Privacy Act have been violated, I expect appropriate legal and financial remedies, including potential loan forgiveness for contract breach.","date_sent_to_company":"2025-02-12T09:17:14.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"92346","tags":null,"has_narrative":true,"complaint_id":"12073814","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-02-12T09:09:58.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["Any unauthorized third-party surveillance or data breach compromising my financial records creates <em>potential</em> for identity theft, fraud, and contract violations. \n\n\n\n1. <em>Conduct</em> a full audit of who has accessed my student loan information.\n\n2. Provide written confirmation of whether any third-party entity has had access to my personal or financial records.\n\n3. Explain whether my student loan servicer ( <em>Nelnet</em> ) has reported any data breaches regarding borrower accounts.\n\n4."],"company":["<em>Nelnet</em>, Inc."]},"sort":[18.173368,"12073814"]},{"_index":"complaint-public-v1","_id":"13600340","_score":17.755333,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against the servicer NelNet and associated debt collection agents for interference with a lawful debt remedy, misrepresentation of tax documents, and failure to acknowledge verified discharge filings in violation of federal protections. \nIn the tax year XXXX, I lawfully filed two separate IRS Forms 1099-C for the cancellation of debts : XXXX. Department of Education ( via NelNet ) in the amount of {$3600.00} XXXX. XXXX XXXX XXXX in the amount of {$680.00} ( listed for reference only ) These filings were made in accordance with 26 U.S. Code 6050P for cancellation of indebtedness and were properly included as taxable income on my XXXX federal return. My IRS Return Transcript confirms the combined amount of {$4200.00} was reported as Additional Income and accepted by the Internal Revenue Service. \nDespite this, I received a threatening letter from NelNet dated XX/XX/XXXX, alleging the 1099-C I filed regarding their loan was \" fraudulent '' and citing various criminal statutes without producing any evidence or verification from the IRS. Their letter appears to be an attempt to intimidate me into continued payment on a debt that has been lawfully addressed. \nThis conduct is deceptive, harmful, and potentially unlawful. The use of scare tactics and unsupported criminal threats violates my right to due process and constitutes harassment under both the Fair Debt Collection Practices Act ( FDCPA ) and the Dodd-Frank Act. \nI am requesting that the CFPB : Investigate NelNet 's refusal to acknowledge the IRS-recognized discharge. \nIntervene in this matter to prevent continued threats or unlawful collection. \nEnsure that my federal credit records and student loan account reflect the discharge as filed. \n\nHave NelNet provide written proof from the IRS or Department of Education confirming their claim that the 1099-C was false or improperly filed. \nA copy of the original promissory note and all loan accounting ledgers for full validation of any continued collection claims. \nIn the absence of such documentation, these threats of criminal prosecution will be treated as harassment, intimidation, and a violation of my private right to due process and lawful remedy. \nYou are further notified that I reserve all rights to pursue legal action against NelNet, its agents, and any other parties involved in defamatory or unlawful collection practices. \n\nI have attached the following documents for your review : Copy of both 1099-C forms as filed ( XXXX listed for reference ) My IRS XXXX Return Transcript confirming {$4200.00} reported income Letter from NelNet threatening XXXX Thank you for your attention and protection of consumers facing unjust collection practices. I look forward to your timely intervention and resolution.","date_sent_to_company":"2025-05-19T16:30:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43231","tags":null,"has_narrative":true,"complaint_id":"13600340","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-05-19T15:33:01.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Despite this, I received a threatening letter from <em>NelNet</em> dated XX/XX/XXXX, alleging the 1099-C I filed regarding their loan was \" fraudulent '' and citing various criminal statutes without producing any evidence or verification from the IRS. Their letter appears to be an attempt to intimidate me into continued payment on a debt that has been lawfully addressed. \nThis <em>conduct</em> is deceptive, harmful, and <em>potentially</em> unlawful."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Nelnet</em>, Inc."]},"sort":[17.755333,"13600340"]},{"_index":"complaint-public-v1","_id":"12858594","_score":17.542225,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Securitization and Legal Standing to Service or Report Nelnet continues to assert itself as the creditor and servicer despite publicly available and attached documentation demonstrating that the loans in question were transferred via a true sale to the Nelnet Student Loan Trust, relinquishing all legal title and equitable interest. Accordingly, Nelnet lacks standing to collect, report, or enforce these loans under its own name, constituting deceptive practices under the Consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). \n\nDemand : Nelnet must produce proof that the loans were not permanently conveyed to a trust, and provide documentation showing it retains ownership, title, or servicing rights. If the loans are trust-held, Nelnet must cease all collection activity and credit reporting under its name. Failure to Provide Adequate Notice and Due Process Nelnet alleges that it notified me via email regarding the scheduled IDR anniversary and subsequent recalculation of my payment. However, I did not receive any adequate or timely notice, either via mail or secure message, and no verifiable proof has been furnished to confirm that such communication was successfully delivered, opened, or understood by the borrower as required under 34 CFR 685.209 and 682.208. A borrowers failure to recertify income does not justify an abrupt increase in payment without multiple proactive outreach attempts. \n\nDemand : Nelnet must provide time-stamped, detailed records of all communications sent, including content, delivery method, and response logs confirming actual receipt not mere system-generated logs. Misreporting Under the Fair Credit Reporting Act Nelnet continues to furnish tradelines to credit bureaus in violation of 15 U.S. Code 1681s2 ( a ), which prohibits the reporting of inaccurate or misleading information. Furnishing data as a creditor when it is \" no longer the creditor or authorized servicer '' is materially false and damaging to my credit profile.\n\nDemand : All tradelines furnished under Nelnets name must be investigated and deleted or corrected to reflect the true legal creditor or owner of the loan. \nPSLF Count Discrepancies and Processing Errors Nelnets report of 107 PSLF-qualifying payments is unverifiable and inconsistent with my own records. Moreover, Nelnet fails to account for multiple periods where forbearance or deferment were misapplied, and IDR recertification issues some potentially caused by servicer error unfairly interrupted my PSLF progress. \nDemand : A full payment audit must be conducted by XXXX, with retroactive credit granted for all qualifying months improperly excluded due to servicer error or administrative forbearance.","date_sent_to_company":"2025-04-07T18:33:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"12858594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-04-07T18:22:09.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Moreover, <em>Nelnet</em> fails to account for multiple periods where forbearance or deferment were misapplied, and IDR recertification issues some <em>potentially</em> caused by servicer error unfairly interrupted my PSLF progress. \nDemand : A full payment audit must be <em>conducted</em> by XXXX, with retroactive credit granted for all qualifying months improperly excluded due to servicer error or administrative forbearance."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Nelnet</em>, Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.542225,"12858594"]},{"_index":"complaint-public-v1","_id":"13002259","_score":17.424082,"_source":{"product":"Student loan","complaint_what_happened":"Nelnet received my negotiable Bill of Exchange ( BOE ) on XX/XX/year>, clearly issued with the intent to lawfully settle and close my federal student loan account. This instrument, presented in good faith, constituted a remittance to satisfy the outstanding obligation under contract and commercial law principles. Despite confirmation of receipt, Nelnet has willfully refused to settle the account and continues to report it as delinquent, leading to a significant drop in my credit score of over XXXX points. This is not merely a servicing error it is a knowing, reckless, and fraudulent act. \n\nNelnets continued reporting and collection activity directly violates the Fair Credit Reporting Act ( XXXX U.S.C. XXXX et seq. ) and the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ), as well as the Department of Educations own borrower servicing guidelines. Their refusal to correct the record despite evidence of settlement constitutes willful misrepresentation of the accounts status. \n\nMoreover, this conduct amounts to fraudulent accounting under multiple sections of the ASC ( Accounting Standards Codification ), specifically : ASC 450 ( Contingencies ) : Nelnet has failed to disclose or account for contingent liabilities created by federal guarantees or potential reimbursements tied to the loan. \n\nASC 860 ( Transfers and Servicing ) : If the loan was sold or securitized, it should have been derecognized from Nelnets books ; continued collection represents a second monetization of an already-settled asset. \n\nASC 942 ( Financial Services - Depository and Lending ) : Nelnet has not provided full servicing disclosures, nor acknowledged its role in collecting on an account it may no longer own, which is materially misleading to both the borrower and the federal government. \n\nThese failures, combined with inaccurate credit reporting and the ongoing damage to my financial standing, are causing irreparable harm and deserve immediate federal intervention. I am requesting that the CFPB investigate this matter thoroughly and coordinate, if necessary, with the U.S. Department of Education, the Office of Inspector General, and the SEC to enforce compliance with accounting regulations, consumer protection laws, and to compel Nelnet to reflect the account as settled, paid in full, and never late. Their refusal to update their books and cease harmful reporting practices constitutes accounting fraud and administrative negligence at the highest level.","date_sent_to_company":"2025-04-15T20:34:48.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"77584","tags":null,"has_narrative":true,"complaint_id":"13002259","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-04-15T20:14:34.000Z","state":"TX","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Moreover, this <em>conduct</em> amounts to fraudulent accounting under multiple sections of the ASC ( Accounting Standards Codification ), specifically : ASC 450 ( Contingencies ) : <em>Nelnet</em> has failed to disclose or account for contingent liabilities created by federal guarantees or <em>potential</em> reimbursements tied to the loan."],"company":["<em>Nelnet</em>, Inc."]},"sort":[17.424082,"13002259"]},{"_index":"complaint-public-v1","_id":"14878851","_score":17.377514,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is now my fifth formal CFPB complaint against Nelnet due to their ongoing failure to verify or delete two closed federal student loan accounts that remain on my credit reports despite being legally unverified and potentially inaccurate. \n\nOn XX/XX/year>, I submitted two separate CFPB complaints ( XXXX & XXXX ) detailing new and materially relevant information ( including notice of a formal demand letter mailed via certified USPS ) and further documentation supporting Nelnets failure to verify or validate these accounts under FCRA 611. In bad faith, Nelnet closed both complaints within 24 hours, falsely categorizing them as duplicates of a CFPB Complaint I submitted on XX/XX/XXXX ( ID : XXXX ), despite clear distinctions and newly provided evidence. \n\nIn a letter dated XX/XX/year> ( provided in response to my XX/XX/XXXX CFPB complaint ), Nelnet admitted they are unable to verify the Date of First Delinquency ( DOFD ) and attempted to improperly shift the burden of responsibility to the credit bureaus. This admission confirms a clear violation of FCRA 623 ( a ) ( 5 ). That XX/XX/XXXX letter is included with this complaint. \n\nOver the past two months, I have filed five separate CFPB complaints due to Nelnets continued reporting of these unverifiable closed accounts. Their repeated failure to conduct a reasonable investigation, as required by FCRA 611, and their unwillingness to remove clearly disputed information that they admit can not be verified, constitute willful noncompliance under FCRA 616, subjecting them to statutory and punitive damages. \n\nI have now escalated this matter to the following agencies and offices : U.S. Department of Education, Federal Student Aid Ombudsman Group Federal Trade Commission Maryland Office of the Attorney General I am also preparing a civil action for damages under the Fair Credit Reporting Act. \n\nI request immediate deletion of the two closed accounts due to Nelnets documented inability to verify them, and I request that the CFPB take note of this companys abusive pattern of dispute suppression and retaliatory complaint closures. \n\nIn addition, I am demanding monetary compensation from Nelnet for multiple, willful violations of the Fair Credit Reporting Act ( FCRA ), including their failure to delete unverifiable information under 611 and failure to properly report accurate information under 623. As previously mentioned, a formal pre-suit demand letter was mailed to Nelnet on XX/XX/year>.","date_sent_to_company":"2025-07-25T19:58:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20716","tags":null,"has_narrative":true,"complaint_id":"14878851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-07-25T19:18:51.000Z","state":"MD","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Over the past two months, I have filed five separate CFPB complaints due to <em>Nelnets</em> continued reporting of these unverifiable closed accounts. Their repeated failure to <em>conduct</em> a reasonable <em>investigation</em>, as required by FCRA 611, and their unwillingness to remove clearly disputed information that they admit can not be verified, constitute willful noncompliance under FCRA 616, subjecting them to statutory and punitive damages."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Nelnet</em>, Inc."]},"sort":[17.377514,"14878851"]},{"_index":"complaint-public-v1","_id":"14348908","_score":17.113773,"_source":{"product":"Student loan","complaint_what_happened":"Follow-Up Actions : Nelnet Policy Compliance, Legal Violations, and Requests for Records Date : XX/XX/2025 This report consolidates all findings, legal violations, and follow-up actions concerning Nelnets practices, including their misrepresentation as a loan servicer while engaging in debt collection practices, their violation of federal and state laws, and a formal request for records under the Family Educational Rights and Privacy Act ( FERPA ). Supporting documentation is included to substantiate the claims and ensure accountability. 1. Summary of Complaint Against Nelnet Key Allegations : Misrepresentation as Loan Servicer :\nNelnet claims to operate as a loan servicer, but their actions, particularly in relation to my XXXX  credit report, demonstrate they are operating as a debt collector. This misrepresentation is misleading and potentially unlawful.\n\nDebt Collection Practices : Nelnet has engaged in practices consistent with debt collection, including reporting derogatory information on my credit report.\n\nThey have failed to validate the alleged debt or resolve disputes in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).\n\nFailure to Address Disputes Properly : Nelnet continues to report inaccurate information without conducting a reasonable investigation, violating FCRA and XXXX XXXX standards for credit reporting accuracy.\n\nPotential FERPA Violations by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the educational institution associated with the alleged loan, must provide a complete disbursement and account record to verify the legitimacy of the loan and ensure compliance with FERPA.\n\n2. Legal Violations Identified Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e : Misrepresentation of their role as a loan servicer while engaging in debt collection.\n\n15 U.S.C. 1692f : Reporting inaccurate debts and continuing collection activities without validation.\n\n15 U.S.C. 1692c : Failure to cease communication after a written request.\n\nFair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.\n\n15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.\n\n15 U.S.C. 1681s-2 : Failure to correct or delete inaccurate information after notification.\n\nFederal Trade Commission ( FTC ) Regulations : Section 5 of the FTC Act : Engaging in deceptive practices by reporting inaccurate debts and failing to disclose material facts.\n\nTexas Finance Code ( Chapter 392 ) : 392.304 : Reporting false or misleading information about a consumer debt.\n\n392.301 : Engaging in deceptive and harmful practices.\n\n392.101 : Failure to maintain a surety bond with the Texas Secretary of State.\n\nFamily Educational Rights and Privacy Act ( FERPA ) : 20 U.S.C. 1232g : Failure of XXXX XXXX XXXX XXXX to provide access to educational and financial records related to the alleged loan.\n\n3. Follow-Up Complaint for CFPB Online Portal Subject : Follow-Up Complaint Against Nelnet :\nMisrepresentation as Loan Servicer and Debt Collection Practices Complaint Summary : Nelnet has claimed they are a loan servicing company, but their actions in relation to my XXXX  credit report clearly indicate they are operating as a debt collector. This misrepresentation is misleading and raises concerns about their compliance with federal and state laws, including the FDCPA and FCRA.\n\nDetails of the Complaint : Misrepresentation as a Loan Servicer : Nelnets response to my initial complaint states they are a loan servicing company. However, their actions demonstrate behavior consistent with that of a debt collector.\n\nSpecifically, Nelnet has reported derogatory information on my XXXX  credit report in a manner that aligns with debt collection practices, not loan servicing.\n\nDebt Collection Activities : Nelnet has failed to validate the alleged debt in response to disputes, which is a requirement under 15 U.S.C. 1692g ( b ) of the FDCPA.\n\nDespite disputing the accuracy of the debt, Nelnet continues to report the account as delinquent without proper investigation or correction, violating 15 U.S.C. 1681i ( a ) of the FCRA.\n\nFailure to Provide Transparency : Nelnet has not provided a clear explanation of their role in this matter. If they are acting as a debt collector, they must comply with all FDCPA requirements, including proper validation of the debt and ceasing collection activities until the dispute is resolved.\n\nRequested Actions : Detailed Explanation from Nelnet : Whether they are acting as a loan servicer or a debt collector.\n\nWhy they are reporting derogatory information on my credit report if they claim to be a loan servicer.\n\nThe legal basis for their continued reporting of this account as delinquent despite my dispute. Compliance with Federal Laws : Proper validation of the alleged debt. Ceasing all collection activities and reporting until the dispute is resolved.\n\nCorrection or Removal of Inaccurate Information : Nelnet must correct or remove any inaccurate, incomplete, or unverifiable information from my XXXX  credit report immediately.\n\nDocumentation of Their Actions : Provide documentation of all actions taken in relation to this account, including internal investigation processes and communication with XXXX. \n4. FERPA Request for Records from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/2025 To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Complete Disbursement and Account Records Under FERPA Dear XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I am writing to formally request a complete disbursement of account records related to the alleged loan associated with my name, as permitted under the Family Educational Rights and Privacy Act ( FERPA ).\n\nRequested Records : Loan Disbursement Records : Dates, amounts, and recipients of all disbursements.\n\nLoan Authorization Documentation : Copies of any loan agreements or signed authorizations.\n\nFinancial Aid Records : Origination, processing, or management of the alleged loan.\n\nFERPA Compliance Documentation : Disclosures of my information to third parties ( e.g., Nelnet ).\n\nDelivery of Records : Please provide the requested records in digital format via email to XXXX or physical copies to my address listed above. \n\nFERPA requires that you provide access to the requested records within 45 days of receiving this letter. If you fail to comply, I will file a formal complaint with the U.S. Department of Educations Family Policy Compliance Office.\n\nThank you for your prompt attention to this matter. \n\nSincerely, Jacklyn V. Tejeda 5. Supporting Documentation The following documents are attached to support this report and complaints : XXXX  Credit Report : Demonstrating Nelnets derogatory reporting.\n\nNelnet Response Letter : Stating their claim to be a loan servicer.\n\nFTC Complaint Confirmation ( # XXXX ) : Outlining related concerns.\n\nRelevant Laws and Regulations : Supporting evidence of Nelnets potential violations of FDCPA, FCRA, and CFPB rules.\n\nFERPA Request Letter : Formal request to XXXX XXXX XXXX XXXX for loan-related records. \n6. Conclusion This comprehensive report highlights Nelnets potential violations of federal and state laws, their misrepresentation as a loan servicer, and their failure to address disputes properly. It also includes a formal FERPA request to XXXX XXXX XXXX XXXX to obtain records verifying the alleged loan. \n\nFurther legal action will be pursued if compliance is not achieved. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-06-28T04:41:25.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"14348908","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-06-28T03:50:14.000Z","state":"TX","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Failure to Address Disputes Properly : <em>Nelnet</em> continues to report inaccurate information without <em>conducting</em> a reasonable <em>investigation</em>, violating FCRA and XXXX XXXX standards for credit reporting accuracy.\n\n<em>Potential</em> FERPA Violations by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the educational institution associated with the alleged loan, must provide a complete disbursement and account record to verify the legitimacy of the loan and ensure compliance with FERPA.\n\n2."],"company":["<em>Nelnet</em>, Inc."]},"sort":[17.113773,"14348908"]},{"_index":"complaint-public-v1","_id":"12476235","_score":16.401724,"_source":{"product":"Student loan","complaint_what_happened":"I am writing to formally report an incident involving the unauthorized access of student loan data. I have federal student loans through Nelnet. It has come to my attention that XXXX XXXX, XXXX, and young unqualified teenagers and individuals/entities associated with him, accessed sensitive student loan information without proper authorization. This breach of privacy and potential violation of data protection laws is deeply concerning and requires immediate investigation. \n\nThis unauthorized access, starting somewhere around XX/XX/year>, has caused significant distress and raises serious concerns about the security and privacy of sensitive financial and personal information. It also undermines trust in the systems designed to protect such data. \n\n**Requested Actions : ** XXXX. Conduct a thorough investigation into this incident and identify the parties responsible for the unauthorized access. \n\nXXXX. Provide a detailed report of the findings and the steps being taken to prevent future breaches. \n\nXXXX. Notify all affected individuals and offer support, such as credit monitoring services, to mitigate potential harm. \n\nXXXX. Ensure compliance with all applicable data protection laws and regulations, including, the Family Educational Rights and Privacy Act ( XXXX ), Gramm-Leach-Bliley Act ( GLBA ), and state privacy laws. \n\nI trust that you will treat this matter with the urgency and seriousness it deserves. Please acknowledge receipt of this complaint and provide information on the next steps in the investigation process. \n\nThank you for your attention to this matter. I look forward to your prompt response.","date_sent_to_company":"2025-03-15T05:13:03.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"55033","tags":null,"has_narrative":true,"complaint_id":"12476235","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-03-15T04:35:18.000Z","state":"MN","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["<em>Conduct</em> a thorough <em>investigation</em> into this incident and identify the parties responsible for the unauthorized access. \n\nXXXX. Provide a detailed report of the findings and the steps being taken to prevent future breaches. \n\nXXXX. Notify all affected individuals and offer support, such as credit monitoring services, to mitigate <em>potential</em> harm. \n\nXXXX."],"company":["<em>Nelnet</em>, Inc."]},"sort":[16.401724,"12476235"]},{"_index":"complaint-public-v1","_id":"14128875","_score":15.367761,"_source":{"product":"Student loan","complaint_what_happened":"CFPB Complaint Statement I am filing this complaint against the XXXX XXXX XXXX XXXX, XXXX, and Nelnet due to unlawful and deceptive handling of my federal student loans. The following outlines what occurred : Summary of Events : Over the course of my repayment period, my federal student loans were repeatedly reconsolidated and reassigned to different loan servicers ( including XXXX and Nelnet ) without my knowledge, signed authorization, or informed consent. Each time, my loan balances, loan IDs, and repayment timelines were altered or reset without explanation or proper documentation. \n\nThese unauthorized actions : Created confusion and inconsistency across my loan records Disrupted my active Borrowers Defense to Repayment ( BDTR ) application Resulted in inaccurate and conflicting credit reports Potentially undermined or reset progress toward loan forgiveness programs Violations of Federal Law : 1. Unauthorized Loan Reconsolidation Loans were consolidated into new loans without my permission or signed application, violating : Truth in Lending Act ( TILA ) Higher Education Act ( HEA ), 20 U.S.C. 1098g 34 C.F.R. 685.220 Consolidation requires borrower application and consent 2. Failure to Notify of Servicer Transfers and Term Changes Transfers between Nelnet and XXXX occurred without timely notice or full explanation, violating : 34 C.F.R. 682.208 Borrowers must be informed of loan servicing changes in writing 3. Obstruction of Borrowers Defense Rights These unauthorized changes occurred during my Borrowers Defense application process, directly interfering with my right to federal loan discharge under : 34 C.F.R. 685.206 ( e ) Potentially violating due process rights under the Administrative Procedure Act ( APA ) Inaccurate Credit Reporting I received official credit reports showing loan deletions. Yet, reinserted or altered loan entries continue to appear across servicers, violating : FCRA, 15 U.S.C. 1681s-2 ( a ) Furnishers of credit must report accurate and authorized information Impact of These Actions : Severe emotional and financial distress Damaged credit profile Confusion about repayment status and loan balances Loss of trust in the student loan system Potential loss of time toward forgiveness under IDR or PSLF programs Requested Resolution : 1. A full federal investigation into these unauthorized consolidations and servicer transfers 2. Written documentation of any alleged authorization for these changes 3. Immediate protection of my Borrowers Defense application from further disruption 4. Correction or suppression of all inaccurate loan entries in my credit reports 5. Full discharge ( forgiveness ) of my federal student loan debt based on these repeated violations, unauthorized consolidations, and obstruction of my right to loan relief The pattern of unauthorized loan reconsolidation, failure to notify, interference with legal discharge rights, and inaccurate credit reporting demonstrates a breakdown of legal compliance by XXXX, Nelnet, and the XXXX XXXX XXXX XXXX. These actions have materially harmed me and prevented me from receiving the fair treatment and legal remedies guaranteed to federal student loan borrowers under law. \n\nI am therefore requesting full federal student loan forgiveness as a remedy for the unlawful and damaging conduct that has occurred. \n\nI have attached photos to this complaint to show how many times at minimum the loans were reconsolidated and reformed without my consent or permission.","date_sent_to_company":"2025-06-17T17:51:56.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"75254","tags":"Servicemember","has_narrative":true,"complaint_id":"14128875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-06-17T17:34:14.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["I am therefore requesting full federal student loan forgiveness as a remedy for the unlawful and damaging <em>conduct</em> that has occurred. \n\nI have attached photos to this complaint to show how many times at minimum the loans were reconsolidated and reformed without my consent or permission."],"company":["<em>Nelnet</em>, Inc."]},"sort":[15.367761,"14128875"]},{"_index":"complaint-public-v1","_id":"17474086","_score":15.253795,"_source":{"product":"Student loan","complaint_what_happened":"On XX/XX/XXXX and XX/XX/XXXX, I submitted formal disputes to all three major credit reporting agencies regarding multiple Nelnet loan accounts reporting inaccurate information. These disputes included specific balances : {$2300.00} {$4700.00} {$590.00} {$3600.00} {$7000.00} {$1000.00} {$1000.00} {$1100.00} {$5800.00} {$8100.00} {$2700.00} {$11000.00} {$6800.00} {$16000.00} {$13000.00} I asserted the information being reported was inaccurate, incomplete, unverifiable, and potentially associated with incorrect transfer records from a previous servicer.\n\n2. Information Requested Under FCRA 611 & 623 In my disputes, I formally requested the following required documentation : 1. The original signed promissory notes 2. Complete transfer records from Great Lakes to Nelnet 3. Full and complete payment history, including all payments made prior to transfer 4. Method of verification used by the credit reporting agencies 5. Name, credentials, and verifying authority of the individual or system that confirmed the reported information 6. Verification that undergraduate loans previously forgiven/removed were not reinstated These requests were made to determine whether the debts being reported are accurate, legitimate, and legally enforceable.\n\n3. Information Nelnet Provided ( According to PDF ) Nelnets written response ( XX/XX/XXXX ) included : A summary of the current loan balances A restatement that the account is in Borrower Defense Forbearance Copies of welcome emails ( XX/XX/XXXX & XX/XX/XXXX ) A copy of Great Lakes payment history A copy of Nelnets internal payment history However, the documents provided do not satisfy the verification required under FCRA 611 & 623, nor do they contain the specific information requested.\n\n4. Information Nelnet Failed to Provide Based on the documents Nelnet failed to provide the following required items : A. Missing Original Promissory Notes Nelnet did not provide any original signed Master Promissory Note ( s ).\n\nThese are legally required to demonstrate the validity of each loan being reported.\n\nB. Missing Complete, Itemized Transfer Records They did not provide : A chain-of-custody transfer document Metadata or timestamps verifying exact balances at transfer Proof that transferred data is complete and unaltered Their letter merely states ED authorized the transfer but provides no documentation verifying accuracy of the transferred data. \n\nC. Missing Full Payment History Before Transfer Although a payment history from Great Lakes was included, it contains : Multiple corrupted/illegible sections Entries with unreadable codes Missing applied payment amounts Inconsistent dates and formatting The payment history does not show any payments you stated you previously mademeaning proper historical records were not transferred or are incomplete.\n\nD. Missing Verification Method Required by FCRA 611 Nelnet did not provide : The method used to verify the disputed information The specific records relied upon The name of the person/system who verified it Instead, Nelnet simply states they reviewed your loans and found them accurate, which does NOT meet FCRA requirements.\n\nE. Missing Certification Under FCRA 623 That Information is Accurate and Verifiable They did not supply : A certification that the information reported is accurate Evidence supporting each balance Documentation showing the accuracy of interest amounts Evidence that previously forgiven undergraduate loans were not improperly reinstated F. No Evidence of Payment Transfer Nelnet did not receive nor control the allocation of these payments.\n\nThis is an admission that : They can not verify pre-transfer balances They can not verify the accuracy of the account as reported They can not affirm that previous payments were properly reflected This alone makes the reporting unverifiable.\n\n5. Violations & Compliance Failures Identified Based on response, Nelnet fails the statutory requirements of the FCRA : FCRA 611 Consumer Dispute Procedure Servicers and credit bureaus must provide : The method of verification All documents used to confirm the debt Names of those who verified the information None of these were provided.\n\nFCRA 623 Furnisher Responsibilities Furnishers ( Nelnet ) must : Not report information they can not verify Conduct a reasonable investigation Supply documentation validating the accuracy Nelnets response does not include any verifying documents, only internal summaries.\n\nFurnisher Must Provide Promissory Notes if Accuracy is Disputed : They provided no notes.\n\nFurnisher Must Provide Payment Records They provided : Corrupted, incomplete, unreadable payment summaries No validated transaction history No reconciliation of missing payments","date_sent_to_company":"2025-11-24T19:53:53.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"17474086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-11-24T19:48:29.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["FCRA 623 Furnisher Responsibilities Furnishers ( <em>Nelnet</em> ) must : Not report information they can not verify <em>Conduct</em> a reasonable <em>investigation</em> Supply documentation validating the accuracy <em>Nelnets</em> response does not include any verifying documents, only internal summaries.\n\nFurnisher Must Provide Promissory Notes if Accuracy is Disputed : They provided no notes."],"company":["<em>Nelnet</em>, Inc."]},"sort":[15.253795,"17474086"]},{"_index":"complaint-public-v1","_id":"18397926","_score":14.975733,"_source":{"product":"Student loan","complaint_what_happened":"The matter concerns the following : The original federal student loan in question was fully paid on XX/XX/XXXX. I received confirmation of its satisfied status on XX/XX/XXXX. \nRecently, I was notified that the same loan has been reinstated under the administration of Nelnet, a servicer with whom I have never had any prior account or contractual relationship. \nThis reinstatement appears to be in direct conflict with my payment history and records. It has caused me significant distress and raises concerns about inaccurate record-keeping, improper account handling, and potential violations of my rights under federal loan servicing regulations. \n\nTo date, I have attempted to resolve this matter by contacting both Nelnet and XXXX XXXX XXXX multiple times, speaking with multiple representatives of both entities, who have acknowledged that this appears to be an error. Both Nelnet and XXXX have confirmed that I show a {$0.00} balance on my loans, and neither has been able to explain the sudden balance on the loan in question. Despite these efforts, the issue remains unresolved. \n\nI respectfully request that your office : 1. Conduct a full investigation into the reinstatement of this loan ; 2. Require both Nelnet and XXXX XXXX XXXX to provide documentation justifying their actions and account records, including justification for why my loans with a {$0.00} balance were ever transferred to Nelnet after being paid in full, and why, nearly four years later, Nelnet shows a balance on a loan the U.S. Department of Education states are Paid In Full ; 3. Ensure correction of any erroneous reinstatement or reporting related to my student loan history and require Nelnet to clear my account of the {$2600.00} \" post transfer adjustment, '' including the unjustified {$330.00} in interest ; and 4. Confirm in writing to all relevant agencies that my loan remains in paid in full/closed status, consistent with my records and any balance should be adjusted to reflect this.\n\nLegal Basis for Complaint : Under the Higher Education Act of 1965 ( 20 U.S.C. 1082 & 1087a et seq. ), the Department of Education has a fiduciary duty to maintain accurate loan records and ensure proper servicing of federally guaranteed student loans. Improper reinstatement of a loan already satisfied violates this statutory obligation.\n\nThe Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) prohibits the furnishing of inaccurate information by loan servicers and requires correction of any false or misleading loan status reporting to consumer reporting agencies.\n\nThe Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) provides protections against unfair or deceptive loan servicing practices, including the assessment of unauthorized interest charges after a debt has been satisfied.\n\nCase law has consistently affirmed the borrowers right to rely on final payoff documentation and protection against improper debt reinstatement. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court underscored the liability of entities that report inaccurate or misleading account statuses. Similarly, in XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court emphasized that loan servicers must adhere strictly to federal law in handling student loan accounts, and deviations that cause borrower harm may be actionable. \n\nEnclosed are copies of U.S. Department of Education documents showing the loans being paid in full, and that I have satisfied my obligations with no additional payments required, MyStudentData document printed from XXXX website showing Nelnet received Paid In Full loans with no mention of the {$2600.00} \" post transfer adjustment '' assertion claimed by Nelnet, numerous documents from Nelnet showing conflicting balances of the loan in question with notes, documentation from XXXX  XXXX  XXXX  showing the correct {$0.00} balance with notes, other supporting documents, and correspondence letters with Nelnet ( blaming the reinstatement on the U.S. Department of Education as a \" post transfer adjustment '' which XXXX  XXXX  XXXX  doesn't show anywhere ) with notes including documentation that Nelnet was NEVER my loan servicer before my loans were paid off. \n\nI assert that this reinstatement is improper, unjustified, and legally unsupportable. I respectfully request your offices urgent attention to prevent further harm to my credit, financial standing, and statutory rights.","date_sent_to_company":"2025-12-31T23:08:50.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"670XX","tags":null,"has_narrative":true,"complaint_id":"18397926","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-12-31T22:13:42.000Z","state":"KS","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["<em>Conduct</em> a full <em>investigation</em> into the reinstatement of this loan ; 2. Require both <em>Nelnet</em> and XXXX XXXX XXXX to provide documentation justifying their actions and account records, including justification for why my loans with a {$0.00} balance were ever transferred to <em>Nelnet</em> after being paid in full, and why, nearly four years later, <em>Nelnet</em> shows a balance on a loan the U.S. Department of Education states are Paid In Full ; 3."],"company":["<em>Nelnet</em>, Inc."]},"sort":[14.975733,"18397926"]},{"_index":"complaint-public-v1","_id":"10693056","_score":14.503529,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Notice to Sue for Inaccurate Reporting of Nelnet XXXX XXXX XXXX Account Dear XXXX XXXX Department, I am writing to formally notify you of my intent to take legal action against XXXX XXXX XXXX XXXX due to your continued failure to accurately report information on my credit report, specifically related to my Nelnet / Dept. of Education accounts, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.\n\nDespite submitting multiple disputes, your company has failed to correct damaging and inaccurate remarks associated with the following student loan accounts : Account : ***** with a balance of {$4700.00} ( as of XX/XX/year> ) XXXX. XXXX  XXXX / NELNET Account : {$2100.00} and {$2500.00} in good standing XXXX XXXX. XXXXf XXXX : Closed Summary of Events : XXXX. I have formally disputed the inaccurate and damaging remarks regarding my Nelnet / XXXX. XXXX  XXXX accounts several times, beginning with a dispute in XX/XX/year> and subsequent disputes. \nXXXX. Despite providing clear evidence, XXXX has continued to allow inaccurate remarks, such as references to Bankruptcy XXXX XXXX and Student loan - payment deferred, to remain on my credit report. These remarks were removed between XX/XX/year>, and XX/XX/year>, yet inaccurate remarks were added again between XX/XX/year>, and XX/XX/year>, causing further damage. \n\nXXXX. The failure to correct these errors has caused a total credit score reduction of XXXX points, comprising an initial XXXX drop and a recent XXXX drop. \nViolations of Federal Law : XXXX is in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) for failing to conduct a reasonable investigation and for neglecting to correct inaccurate information on my report. This has caused me significant financial and emotional harm, including being denied credit and facing higher interest rates. Additionally, the repeated reporting of incorrect information after disputes constitute a willful violation of the FCRA ( 15 U.S.C. 1681n ), exposing XXXX to potential statutory, actual, and punitive damages. \nLegal Demands : XXXX. I demand the immediate and permanent removal of all inaccurate remarks related to my Nelnet / XXXX. XXXX  XXXX accounts from my credit report. \nXXXX. I seek monetary compensation in the amount of {$50000.00} for damages, including financial loss, emotional distress, and psychological harm caused by your companys negligence. \nFailure to address and resolve this matter within XXXX business days of receiving this letter will result in legal action against XXXX. I will also seek attorneys fees and any statutory damages allowed under federal law. \nPlease direct all correspondence related to this matter to my address above or contact me at. \nSincerely,.","date_sent_to_company":"2024-11-06T03:51:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75248","tags":null,"has_narrative":true,"complaint_id":"10693056","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-11-06T03:17:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 1681i ) for failing to <em>conduct</em> a reasonable <em>investigation</em> and for neglecting to correct inaccurate information on my report. This has caused me significant financial and emotional harm, including being denied credit and facing higher interest rates. Additionally, the repeated reporting of incorrect information after disputes constitute a willful violation of the FCRA ( 15 U.S.C. 1681n ), exposing XXXX to <em>potential</em> statutory, actual, and punitive damages. \nLegal Demands : XXXX."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Nelnet</em>, Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.503529,"10693056"]},{"_index":"complaint-public-v1","_id":"12496477","_score":12.209168,"_source":{"product":"Student loan","complaint_what_happened":"Greetings, My name is XXXX XXXX, and I am a XXXX  I went to XXXX XXXX  for my XXXX XXXX, transferred to a XXXX XXXX for my XXXX and license in education. I did this while working full time as a XXXX XXXX and XXXX XXXX All of this time, my mom was battling XXXX ( during COVID, she even had a XXXX XXXX XXXX XXXX. I have been a XXXX for four years now, and in XXXX it is required to obtain your XXXX XXXX within the first five years. I just finished my XXXX  in the XXXXXXXX XXXX XXXXXXXX. \n\nThe only way I could pay for my college was through Federal Student Loans. I was grateful to be approved. \n\nLike so many American students who dream of a better tomorrow, I took out loans under the impression that Income-Driven-Repayment and Public Service Loan Forgiveness would be around . Even speaking with Nelnet Loan Servicers last summer, I asked -- would the IDR and PSLF be around even if XXXX XXXX XXXX lose to XXXX XXXX XXXX They said try not to worry, because historically -- through various presidencies in recent decades, those programs remained in place. \n\nI have been prepared for income-driven repayments and planned my career in education around the Public Service Loan Forgiveness program . Under the new administration, both programs have been placed on hold. Nelnet has only been able to post headers at the top of the website to alert people. \n\nMy income driven repayments were planned around XXXX dollars, and without IDR, they are around {$700.00}. I will be homeless if forced to pay that. Even if I defer, I will accrue interest, which in my opinion -- is just wrong. \n\nFurthermore, on XX/XX/XXXX, it was made public that XXXX XXXX witch-hunt group, the non-congressionally approved \" XXXX, '' gained unauthorized access to my personal and financial data, which was stored by Nelnet and the Department of Education .\n\nMy personal data is not some abstract thing -- it's my social security number, my tax returns ( as they are linked to Financial Aid ), my marital status, my family members and their personal information, and more. I am taking hit after hit from the Federal Loan program.\n\nI ask you to please investigate the violations of these laws : 1. The Family Educational Rights and Privacy Act ( FERPA ) Violation : FERPA is a federal law that protects the privacy of student education records. If the group accessed student loan information, including personal data related to federal student loans, without authorization, they could have violated FERPA.\n\nRelevance : FERPA prohibits the unauthorized disclosure of personally identifiable information from education records without the consent of the student or the student 's family ( in the case of minors ). Since student loan information is often linked to educational records, this could be a violation.\n\n2. The Gramm-Leach-Bliley Act ( GLBA ) Violation : The GLBA requires financial institutions ( such as student loan servicers like Nelnet ) to protect the privacy of consumers ' financial information. If XXXX  or any other entity improperly accessed your financial data ( i.e., your student loan information ), it could be in violation of the GLBA. \nRelevance : Nelnet, being a financial institution handling student loans, is bound by GLBA to protect customer financial data. Unauthorized access would constitute a breach of this law. \n\nXXXX. The Privacy Act of XXXX Violation : The Privacy Act governs how federal agencies, such as the Department of Education, handle personal data. If XXXX accessed your student loan information without authorization from federal databases, they could be in violation of the Privacy Act. \nRelevance : The law requires federal agencies to safeguard the personal data they collect. Unauthorized access to your data by a third party could constitute a breach of this act.\n\n4. The Computer Fraud and Abuse Act ( CFAA ) Violation : The XXXX is a federal law that criminalizes unauthorized access to computer systems and data. If XXXX used any form of hacking or unauthorized access to gain entry to Nelnet or Department of Education systems to access student loan information, this law could apply. \nRelevance : Unauthorized access to a system ( such as Nelnets platform ) or stealing sensitive information via computer networks is illegal under the XXXX. \n\nXXXX. The Identity Theft and Assumption Deterrence Act Violation : This law makes it a federal crime to knowingly and intentionally use someone elses personal information to commit fraud or other crimes. If XXXX used or intended to use your student loan information for fraudulent purposes, this law could apply. \nRelevance : The unauthorized access to your private financial and personal data could potentially be linked to identity theft or fraudulent activity. \n\nXXXX. State-Level Data Protection Laws Violation : Many states have enacted their own data protection laws ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) that require entities to protect personal data and notify individuals in the event of a breach. If DOGEs actions led to a breach of these laws, they could be subject to state-level penalties. \nRelevance : If your information was compromised and the breach was not reported as required by state laws, it could result in additional violations.\n\n7. The Federal Trade Commission Act ( FTC Act ) Violation : Under the FTC Act, it is illegal for businesses to engage in unfair or deceptive practices. If XXXX 's actions involved unauthorized access to your information and they were conducting business in a way that was deceptive or harmful to consumers, they could be violating this law. \nRelevance : The FTC is responsible for enforcing laws related to consumer protection. Unauthorized access to your personal data could be considered unfair or deceptive business practices under this act. \n\nI am requesting that, in light of the severity of this breach and the violation of my privacy, the Department of Education fully forgive or pay in full all of my student loans dating back to XXXX. I believe that this action is necessary to make up for the harm caused by this unauthorized access to my personal information, as I should not be held responsible for any misuse of data that occurred as a result of this breach. \nI have already been on the phone with Nelnet, contacted the FERPA office of the Department of Education, and asked my creditors to lift any decrease in score based on my student loans.\n\nFYI -- every borrower who is forced into going to deferment will have their credit score drop due to increase in interest. This increase of interest is unjust. How can you expect the working class American ( who has student loans ) to pay anything other than income-driven repayments? Furthermore, how can Federal Loans ( DOE/Nelnet ) charge interest on deferments coming from a national crisis? \n\nGiven the nature of the situation, I urge the Consumer Financial Protection Bureau to investigate the matter and ensure that appropriate steps are taken to both protect my private data and remedy the financial consequences of this incident. Also, I call on the CFPB to investigate the interest from deferment and its impact on credit score.\n\nI trust that the Bureau will hold the responsible parties accountable and assist in the resolution of this issue. I am happy to provide any additional information or documentation necessary to support my complaint. \n\nAs stated previously, I'm a XXXX I live by small means. I want to get married one day. I want to have a family. Please investigate the injustice that is happening to the American people who just want a fair chance. \n\nThank you for your time and attention to this serious matter. I look forward to hearing back from you soon. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-16T02:35:26.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"027XX","tags":null,"has_narrative":true,"complaint_id":"12496477","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-03-16T02:07:38.000Z","state":"MA","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Furthermore, how can Federal Loans ( DOE/<em>Nelnet</em> ) charge interest on deferments coming from a national crisis? \n\nGiven the nature of the situation, I urge the Consumer Financial Protection Bureau to <em>investigate</em> the matter and ensure that appropriate steps are taken to both protect my private data and remedy the financial consequences of this incident. Also, I call on the CFPB to <em>investigate</em> the interest from deferment and its impact on credit score."],"company":["<em>Nelnet</em>, Inc."]},"sort":[12.209168,"12496477"]},{"_index":"complaint-public-v1","_id":"20038885","_score":10.804738,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Against XXXX XXXX XXXX for Fraudulent Loan Servicing Practices DATE : XX/XX/XXXX To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX XXXX ( \" XXXX '' ) for fraudulent, deceptive, and unlawful practices in connection with the servicing of my federal student loans, in violation of the Consumer Financial Protection Act of 2010, 12 U.S.C. 5531, and the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq.\n\nFACTUAL BACKGROUND Complete Satisfaction of Obligation : My federal student loans were paid in full as of XX/XX/XXXX. I possess documentary proof of said payment, and the U.S. Department of Education 's Federal Student Aid records confirm my loan balance is XXXX. \n\nFraudulent Re-Aging and False Certification : Notwithstanding the foregoing, XXXX has fraudulently represented that I \" consolidated '' my loansa transaction that is factually impossible as the underlying obligations had been extinguished. XXXX has thereby created the false impression of an active debtor-creditor relationship where none exists. \n\nPattern of Misconduct : This conduct is consistent with a broader pattern of behavior by XXXX, which has been the subject of multiple lawsuits alleging fraudulent servicing practices, including XXXX, et al. v. XXXX XXXX, XXXX, XXXX. XXXX ( D. XXXX. ), and consumer complaints documenting systemic failures in payment processing and customer service. \n\nLEGAL VIOLATIONS XXXX 's actions constitute : A. Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) : By reporting false consolidation information to credit reporting agencies without conducting a reasonable investigation after notice of dispute.\n\nB. Violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) : Using false, deceptive, and misleading representations in connection with the collection of a debtspecifically, representing that a debt exists when my loan obligation has been legally satisfied.\n\nC. Common Law Fraud and Negligent Misrepresentation : Knowingly making false statements regarding the status of my loans upon which reliance was intended and has caused demonstrable harm.\n\nD. Potential False Claims Act Implications : As a participant in federal student loan programs, XXXX 's false certifications may constitute fraud against the United States government. See United States ex rel. Vigil v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). \n\nRELIEF REQUESTED Pursuant to 12 U.S.C. 5534, I request that the Bureau : Investigate XXXX 's fraudulent loan servicing practices ; Order Nelnet to immediately cease all collection activities and credit reporting related to these loans ; Require XXXX to provide written certification to all credit reporting agencies that the alleged debt is invalid and must be removed from my credit profile ; and Award such other relief as the Bureau deems just and proper. \n\nRespectfully submitted, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2026-03-06T16:17:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"20038885","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2026-03-06T16:17:06.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["RELIEF REQUESTED Pursuant to 12 U.S.C. 5534, I request that the Bureau : <em>Investigate</em> XXXX 's fraudulent loan servicing practices ; Order <em>Nelnet</em> to immediately cease all collection activities and credit reporting related to these loans ; Require XXXX to provide written certification to all credit reporting agencies that the alleged debt is invalid and must be removed from my credit profile ; and Award such other relief as the Bureau deems just and proper."]},"sort":[10.804738,"20038885"]},{"_index":"complaint-public-v1","_id":"12796334","_score":10.469518,"_source":{"product":"Student loan","complaint_what_happened":"On XX/XX/year>, XXXX XXXX instructed his team of XXXX XXXX XXXX XXXX XXXX XXXX to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised. I have been forced into forbearance for the last several months without access and cohesive communication, intentionally misleading information, inaccessible support structure to remedy this. I have chosen a career based on the agreement for pslf and loan structure, and the loan servicer and department of education, federal government are violating agreement and conducting business in a way that is intentionally corrupt, misleading, fraudulent. Moreover, my previous servicer pushed the SAVE program on me, and I signed up for it with their advice and pressure. Investigation and restitution is asked as it regards the dept of education, mohela, nelnet, and aid advantage. Further, my information has been violated and unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX XXXX XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. \nI recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). \n2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. \nXXXX. My IRS tax transcripts, which were obtained and used without proper authorization. \nThese actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. \nGiven the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. \n2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.\n\n3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. \n4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. \nThis breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. \nI request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. \nThank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-03T17:56:15.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"55337","tags":null,"has_narrative":true,"complaint_id":"12796334","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-04-03T17:35:36.000Z","state":"MN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I have chosen a career based on the agreement for pslf and loan structure, and the loan servicer and department of education, federal government are violating agreement and <em>conducting</em> business in a way that is intentionally corrupt, misleading, fraudulent. Moreover, my previous servicer pushed the SAVE program on me, and I signed up for it with their advice and pressure. <em>Investigation</em> and restitution is asked as it regards the dept of education, mohela, <em>nelnet</em>, and aid advantage."]},"sort":[10.469518,"12796334"]},{"_index":"complaint-public-v1","_id":"13699701","_score":10.306927,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX [ XXXX : XX/XX/XXXX XX/XX/XXXX RE : Dispute of Unverified Student Loan Accounts Immediate Deletion Requested To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq., regarding the reporting of student loan accounts associated with Nelnet on my XXXX XXXX XXXX XXXX credit files. \n\n1. ISSUE : Lack of Verification of a Signed Master Promissory Note ( MPN ) Relevant Law : As per XXXX U.S.C. XXXXi ( a ) ( 1 ) ( A ), a credit reporting agency must conduct a reasonable reinvestigation upon receiving a dispute concerning the completeness or accuracy of any item in my file. Additionally, under XXXX U.S.C. XXXXe ( b ), the CRA must ensure the maximum possible accuracy of the information it reports. \n\nDemand : I am requesting the immediate deletion of the referenced student loan accounts from my XXXX credit file unless the data furnisher can provide the original, wet-ink signed Master Promissory Note ( MPN ) that establishes a valid, enforceable obligation in my name. Electronic reproductions or summaries are insufficient, especially when the debt is disputed. If no original contract exists to validate the alleged debt, these tradelines should be removed. \n\n2. ISSUE : Failure to Verify Current Status Forbearance or Administrative Hold Relevant Law : According to XXXX U.S.C. XXXX ( b ), the information furnisher is legally obligated to investigate any disputed information and correct or delete any data found to be inaccurate or unverifiable. If any of these loans are currently in forbearance, deferment, or non-repayment status due to federal policy changes, this status must be accurately reflected in the reporting. Failure to provide this information constitutes inaccurate reporting and may lead to the removal of the negative entries. \n\n3. ISSUE : Potential Violations Related to Loan Servicing Practices I would also like to bring to your attention that certain practices used by loan servicers may be in violation of federal regulations, including improper notifications of payment due dates, failure to apply payments correctly, or reporting negative information without conducting the necessary due diligence. Any such violations further bolster my request for the deletion of these accounts. \n\n4. ISSUE : Reporting Errors I have reviewed my credit report and noticed discrepancies that include [ list any specific incorrect details, like wrong balance, dates, or payment history ]. These inaccuracies not only misrepresent my financial status but also violate the FCRA guidelines. \n\n5. * * Request for Additional Documentation * * Failure to produce any evidence, such as the original MPN, or to verify my claims within the legally allotted time, constitutes grounds for immediate removal of these accounts from my credit report. I expect a full investigation and response within 30 days pursuant to the FCRA. \n\nThank you for your immediate attention to this matter. I kindly ask for confirmation of receipt of this dispute letter and a detailed follow-up regarding your findings and actions taken. Please feel free to contact me at ( XXXX ) XXXX or XXXX should you require any further information or documentation. \n\nCarpe diem, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-05-24T17:54:34.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"60473","tags":null,"has_narrative":true,"complaint_id":"13699701","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-05-24T17:32:54.000Z","state":"IL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX et seq., regarding the reporting of student loan accounts associated with <em>Nelnet</em> on my XXXX XXXX XXXX XXXX credit files. \n\n1. ISSUE : Lack of Verification of a Signed Master Promissory Note ( MPN ) Relevant Law : As per XXXX U.S.C. XXXXi ( a ) ( 1 ) ( A ), a credit reporting agency must <em>conduct</em> a reasonable reinvestigation upon receiving a dispute concerning the completeness or accuracy of any item in my file. Additionally, under XXXX U.S.C."],"company":["<em>Nelnet</em>, Inc."]},"sort":[10.306927,"13699701"]},{"_index":"complaint-public-v1","_id":"9210960","_score":10.184796,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Deceptive and Inaccurate Reporting, from Nelnet Servicing , LLC Credit Report reporting on reporting six times on XXXX, XXXX, AND XXXX CREDIT REPORT 1692G,1692B. Please provide the purchase agreement, if any, for this alleged account. Please understand I deny any and all. I am not asking for proof of just name or address because that is not what is in question, and in keeping in compliance with G.A.P.P., provide the info requested because it violates 5 USC 552a. NELNET SERVICING , LLC is in direct violation of USC 1692e. \n\nAccount # XXXX XXXX  : Deceptive and Inaccurate Reporting, from Nelnet Servicing , LLC Credit Report reporting on reporting six times on XXXX, XXXX, AND XXXX CREDIT REPORT 1692G,1692B, please provide the purchase agreement, if any, for this alleged account. Please understand I deny any and all. I am not asking for proof of just name or address because that is not what is in question, and in keeping in compliance with G.A.P.P., provide the info requested because it violates 5 USC 552a. NELNET SERVICING , LLC is in direct violation USC 1692e. False or misleading representations : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt Please also keep in mind as you use the state statutory laws Federal statutory law, enacted pursuant to constitutional authority.\n\nPlease provide confirmation of this info with the company received from the alleged original party for this account ; your help will be appreciated in assisting me.\n\nUnder the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days, Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A ). This letter of dispute is to address concerns about legal liability for financial information and associated materials ; this includes anyone asking you for your Social as they must indicate what it is being used for and how it is used ; NELNET SERVICING , LLC never received permission from XXXX XXXX XXXX to use the number associated with any such accounts associated or attached and as stated in PRIVACY ACT ( 5 U.S.C. 552a ) Anyone can request to see or get copies of any personal information that we have in your file. Any personal information in your file that is retrieved by individual identifiers, such as name or social security number, is protected by the Privacy Act 1974, which means requests for information about you may be denied unless we have your written permission to release the information to the requestor or unless the information is subject to disclosure under the Freedom of Information Act. How and for what purpose did you receive a Social Security number from XXXX XXXX XXXX? BANKRUPTCY / REPOSSESSION 40 U.S. Code 3133 - Rights of persons furnishing labor or material The first way to establish a permissible purpose is in writing and in accordance with the written instructions of the consumer to whom it relates. NELNET SERVICING , LLC has violated the act all violations must be cleared and satisfied as per court action. A person having a direct contractual relationship with a subcontractor.A person having a direct contractual relationship with a subcontractor but no contractual relationship, express or implied, with the contractor furnishing the payment bond may bring a civil action on the payment bond on giving written notice to the contractor within 90 days from the date on which the person did or performed the last of the labor or furnished or supplied the last of the material for which the claim is made this letter is requesting an investigation and validation period, and these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. COLLECTIONS /MEDICAL When a collection agency purchases a debt, they can not re-age the account to restart the clock ; if this is not a practice used by NELNET SERVICING , LLC , then disclose all records tangible items, including emails, reports, and data, as well as answers to written questions and oral testimony to the contrary Since Federal laws override state statuary and 3rd party violations have occurred that means 18 U.S. Code 371 - Conspiracy to commit offense or to defraud United States has also been activated because of previous or prior insurance agreements in place and not disclosed and that also relates and brings up 18 U.S. Code 1001.After this account was placed in collections, did the alleged original creditor sell the debt or did it assign the debt, and how would it be known, If the correct validation is not attached just a statement with a debt collectors and an alleged creditors letterhead attached, proof is needed. CLOSED Does NELNET SERVICING , LLC follow GAAP, generally accepted accounting principles? yes, or no? Did you or the company you are collecting for give full disclosure when the funding for this alleged loan was created regarding bookkeeping entries? Yes, or no? Did either the original creditor or the debt collector record a new asset showing the consumer owes money to either parties? yes or no. 5. Is it true according to the agreement did the original creditor or the debt collector deny equal protection under the loan agreement? yes or no 6.. Is it true that the original creditor or debt collector violated GAAP, generally accepted accounting principles, in turn making the agreement null and void? Yes or no, all of the answers fall under real law guidelines such as, Penhallow v. DoanesAdministrators defined government succinctly. Governments are corporations ''. In as much as every government is an artificial person, an abstraction, a creature of the mind only, a government can deal only with artificial persons. Persons are not the subjects of commerce, and not being imported goods, they do not fall within the meaning founded upon the constitution, of a power given to congress, to regulate commerce, and the prohibition of the states for imposing a duty on imported goods. CREDIT CARDS/LOANS/ BK / ( 5 U.S.C. 552a ) Anyone can request to see or get copies of any personal information that we have in your file. Any personal information in your file that is retrieved by individual identifiers, such as name or social security number is protected by the Privacy Act, which means requests for information about you may be denied unless we have your written permission to release the information to the requestor or unless the information is subject to disclosure under the Freedom of Information Act. How and for what purpose did you receive a Social Security number of XXXX XXXX XXXX? \n\nRESPECTFULLY, /s/ : XXXX : XXXX cc : XXXX, XXXX XXXX. Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX XXXX, XXXX, and XXXX responses are to be in written communication only. OBLIGATIONS OF ALL USERS OF CONSUMER REPORTS A. Users Must Have a Permissible Purpose Congress has limited the use of consumer reports to protect consumers ' privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ) As instructed by the consumer in writing. Section 604 ( a ) ( 2 ) For the extension of credit as a result of an application from a consumer or the review or collection of a consumer 's account. Section 604 ( a ) ( 3 ) ( A ) For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) For the underwriting of insurance as a result of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ) When there is a legitimate business need in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( i ) To review a consumer 's account to determine whether the consumer continues to meet the terms of the account. Section 604 ( a ) ( 3 ) ( F ) ( ii ) To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ) For use by a potential investor or servicer or current insurer in a valuation or assessment of the credit or prepayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E )","date_sent_to_company":"2024-06-07T16:59:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Federal student loan debt","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"9210960","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-06-07T16:06:06.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Section 604 ( a ) ( 3 ) ( D ) For use by a <em>potential</em> investor or servicer or current insurer in a valuation or assessment of the credit or prepayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E )"],"company":["<em>Nelnet</em>, Inc."]},"sort":[10.184796,"9210960"]},{"_index":"complaint-public-v1","_id":"14611113","_score":9.636673,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian, XXXX XXXX have violated my consumer rights by not updating account pay status Subject : Dispute of Inaccurate Credit Reporting Under the FCRA To Whom It May Concern, I am writing to formally dispute inaccurate and potentially damaging information being reported on my credit file. Upon reviewing my credit report, I noticed that NELNET is reporting my student loan account as being 90 days late, which is inaccurate and does not reflect the actual status of my account. Also it is a violation of my consumer laws by reporting this late payment.\n\nAn Administrative Forbearance was placed on accounts which brought payments current and late payment should be updated as well Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute incomplete or inaccurate information in my credit report. I request that you investigate this matter and correct or remove the erroneous late payment entry from my file.\n\nIt is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.\n\nFurthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. \nSpecifically, I am disputing the following items : XXXX XXXX Accounts with same account number and same late payment date XX/XX/year> Creditor Name : XXXX Account Number : XXXX Date Reported Late : [ XXXX ] Issue : Reported 90 days late inaccurate for all Nelent Accounts * * * * NO previous late payment reported in XXXX Accurate * * * * * ON TIME REPORTED No prior 30 days late or 60 days late reported in any previous month According to my records, this account should not have been reported as 90 days delinquent. the loan was in deferment In accordance with the FCRA, I respectfully request that you : Conduct a reinvestigation of this information.\n\nProvide a written response outlining the results of your investigation.\n\nDelete or correct the inaccurate information if it is found to be unverifiable or inaccurate.\n\nEnclosed are copies of relevant documentation supporting my claim, including : A copy of my credit report highlighting the incorrect entry Account statements, deferment/forbearance notices, or correspondence with the loan servicer My government issued ID If this item is being furnished by a third-party debt collector, I also invoke my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including my right to request validation of the debt.\n\nPlease complete your investigation within the 30-day period provided by law and provide written confirmation of your findings.\n\nThank you for your prompt attention to this matter. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-07-12T21:03:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"613XX","tags":null,"has_narrative":true,"complaint_id":"14611113","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-12T21:02:50.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Experian, XXXX XXXX have violated my consumer rights by not updating account pay status Subject : Dispute of Inaccurate Credit Reporting Under the FCRA To Whom It May Concern, I am writing to formally dispute inaccurate and <em>potentially</em> damaging information being reported on my credit file. Upon reviewing my credit report, I noticed that <em>NELNET</em> is reporting my student loan account as being 90 days late, which is inaccurate and does not reflect the actual status of my account."]},"sort":[9.636673,"14611113"]},{"_index":"complaint-public-v1","_id":"20096492","_score":9.148321,"_source":{"product":"Student loan","complaint_what_happened":"XXXXNelnet, my student loan provider, has continued to get away with breaking the federal law that relates to student loan borrowers with disabilities. Living in a state that\\'s already currently under investigation for billions of dollars in XXXX  fraud (XXXX), it\\'s already difficult and impossible for me to have to defend my civil rights from Nelnet when every single day of my life I have to defend my civil rights 1 million + ways from predatory corrupt neurotypical individuals who are deliberately trying to financially exploit neurodivergent vulnerable adults, while I already have multiple disabilities that have long been documented and which make it extremely difficult to balance multiple tasks simultaneously. \\n\\nAs I\\'m still currently enrolled in a 4-credit college course, trying to finish my college degree, neurotypical college students don\\'t end up getting illegally evicted from 5 different apartments simply for doing their assigned college homework. I\\'ve been evicted from 5 different apartment programs in my state that exclusively only house neurodivergent residents who at a bare minimum at least receive state XXXX, oftentimes Social Security and XXXX as well. Residents are then forced to have multiple mental healthcare meetings each week with numerous service providers, meetings that are specifically designed to waste their time and not work to improve their disabling conditions. By ensuring that every spare second of our time is bombarded with pointless meetings that do absolutely nothing to improve our disabling conditions, residents continue to stay in the same disability housing setting (termed ICS, or Integrated Community Supports, a statewide housing program for disabled citizens in the state of XXXX  who receive XXXX  from the state; just last week during XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXestimony in front of Congress, ICS was verbally cited as being one of the many programs riddled with fraudulent XXXX  practices). \\n\\nWhen residents remain in the same ICS housing settings for years on end, forced to go absolutely nowhere with their life, this allows all kinds of corrupt service providers to continue a long pattern of years and years of fraudulent XXXX  billing. When residents such as myself attempt to engage in activities that would see them graduate and leave from these type of ICS settings within a small handful of years, (e.g. trying to earn a college education), such residents are punished illegally with eviction, which subsequently allows the service provider to house a different neurodivergent Medicaid recipient, perhaps one who has no qualms with receiving the same corrupt services for decades on end so as to ensure the XXXX fraud continues long term. I can\\'t succeed at college when I have 6-7+ assigned corrupt service providers all repeatedly harassing me for 10+ hours of meetings each and every week (totaling to more than 60-70+ hours of meetings every week, with each of these service providers actively engaged in committing XXXX  fraud).\\n\\nMedicaid fraud isn\\'t only committed in cases where XXXX  has been billed without any services having actually been rendered to the disabled client; in cases where services have been received, but the stated and documented goals and outcomes of those services are completely ignored in favor of creating a scenario that ensures the disabled recipient remains a sitting duck for decades on end so as not to disrupt Medicaid billing, such behavior should be considered fraudulent XXXX  billing practices as well.\\n\\nAside from being retaliated against for doing my college homework, I\\'ve also had to put up with a state ICS program run by sexual predators, as both the ICS group homes and supportive apartment settings are commonly staffed by previously registered and convicted sex offenders who go frequently go unpunished for commonplace abuses such as the forceful rape and impregnation of neurodiverse residents, ICS staff who come to work and physically choke neurodiverse residents while said ICS staff member is high on illegal drugs such as cocaine. While receiving Social Security Disability Insurance (SSDI) from 2011-2024, I\\'ve had numerous corrupt, large-size employers who have deliberately gotten away with interfering with my ability to attend my scheduled college courses, college courses that were being paid with student loan money. I highly doubt neurotypical college students have had to endure threats of \"I\\'ll shoot you dead with a gun if you punch out and leave at the end of your shift\" from management while working at a Potbelly Sandwich Shop, simply because they\\'re trying to punch out at the end of their scheduled work shift so that they can get to their classes at their local community college on time. Time and again I\\'ve come across corrupt employers who have deliberately tried to interfere with my ability to make it to my scheduled college classes in a timely manner, while also simultaneously getting away with repeat serious violations of the Americans with Disabilities Act, under which I\\'ve been covered (and continued to be covered this entire time). Guns being physically held to my head by neurotypical gang members who were allowed to erroneously infiltrate my first ICS apartment, having upwards of 6-7+ corrupt social workers who each engage in repeat, unreasonable harassment tactics whenever I\\'m unable to immediately answer their phone calls: assigned job coaches who  work exclusively with neurodivergent individuals and who are paid exclusively via their neurodivergent client\\'s XXXX package, leaving a total of two voicemails, one text message to my phone, one email sent to me directly, and yet a separate email sent to another one of my service providers (thus attempting to complain and have a third party service provider step in and join the barrage of repeat harassment), all within a time span of less than 24 hours. Even when I\\'m on punched-in, on the clock in the middle of a shift at work, working a part-time job as a part of XXXX designated Ticket to Work program for Medicaid recipients, with managers complaining about how I could get potentially be fired for using my phone while on the clock at work.\\n\\nI\\'ve had to deal with all of the above aforementioned civil rights abuses and much, much more, to the point where there isn\\'t adequate space and time to list all of the myriad examples of civil rights abuses I end up having to endure on any given day of any week. And then I have Nelnet deliberately choosing to waste and abuse my time, while also adding to the list of neurotypical predators trying to exploit neurodivergent vulnerable adults (as I\\'ve officially been considered a vulnerable adult by the state of XXXX  since XXXX, and continuing). From XXXX, I\\'d sent Nelnet numerous benefit verification letters which I\\'d directly downloaded from XXXX. These letters not only feature official stationery letterheads from the Social Security Administration, but also detailed the exact amounts monthly SSDI benefits I\\'d been receiving at the time, as well as the most recent date (the exact day that download of the verification letter had occurred). Not once in that time period did Nelnet keep such documentation on file. Not once from XXXX did Nelent bother to inquire as to whether or not I was still receiving SSDI, XXXX  and XXXX  on an annual basis. The only documentation that Nelnet ever bothered to provide me with, outside of verification from Nelnet that payment of my student loans either been placed into in-school forbearance, or during the numerous instances in which Id been academically suspended as a result of the numerous unfair civil rights violations Im forced to endure repeatedly (e.g. I cant earn good grades when Im suddenly evicted from my apartment and made to be homeless in the middle of an academic semester, simply for trying to do my assigned college homework)  Nelnet would send official notices/documentation that my account had been placed on some sort of temporary pause of payments.\\n\\nEither way, Nelnets behavior repeatedly worked to deliberately ensure that most amount of capital interest could be applied on the student loans that I owe. When I would inquire about student loan dismissal for long-term neurodivergent borrowers receiving government assistance such as SSDI, XXXX  and XXXX  for long-term, extended periods (such as myself), Nelnet would repeatedly and deliberately tell me lies and provide me with inaccurate information about the loan dismissal program. Today, Nelnet is repeatedly continuing to violate my civil rights and harass me for XXXX per month in student loan payments that clearly are well-aware that I cant afford. All of these disability government programs  SSDI, XXXX  and XXXX   have set gross monthly income limits that recipients are allowed to earn. Thanks to Nelnets repeated lies and harassment tactics, Ive officially been illegally kicked off SSDI, forced to participate in an education program that has my current employer, Starbucks, pay 100% of my tuition provided that I work a minimum of 22 hours per week on average. \\nThanks to Nelnets repeated lies over the years concerning disability dismissal of my student loans (as well as their repeat harassment whenever Im not enrolled in college courses for at least 6 credits, most likely due to a combination of civil rights violations/unfair time bombardment/eviction as a result of attempting to do my college homework), Ive been forced to participate in the education program XXXX  has to offer. I have no undergraduate funding left available to me when it comes to student loans. Although I frequently experience numerous weeks on end where I only receive as little as 10 hours of sleep per week, as a direct result of a combination of my having to put up with an unfair combination of weekly-assigned college homework/numerous civil rights infractions/unfair time bombardment/repeat homelessness. Ive had to work harder than any neurotypical college student who in this country who has had the fortune of having their civil rights protected, yet I have no college degree to show for all of my ridiculously insane degree of responsibility and effort put forth. One might easily see how XXXX in student loan undergraduate funding rapidly gets used up when civil rights issues that directly impact the usefulness of such funds arent being protected (e.g. Im being threatened with gun violence from my employer because Im trying to leave at the end of my scheduled work shift so that I can attend my college courses on-campus; being evicted from my apartment for doing my assigned college homework). \\nWhile having to work a total of 22 hours per week in order to maintain my scholarship from XXXX, the state of XXXX, already as corrupt as it is when it comes to disability services rendered within the state, has continued to mandate small incremental involuntary pay raises for the position that I hold at XXXX (XXXX). These pay raises were received regardless of the fact that in the five years that Ive been employed with XXXX, neither my job title nor my responsibilities have increased. Furthermore, every single day which Im scheduled to work, my disabilities cause myriad problems just in terms of my ability to even be able to perform all of the normal duties and tasks generally assigned to the role of XXXX  at XXXX. I cant make drinks due to an unfair combination of the extremely fast-paced working environment which places extreme amounts of strain on documented disabilities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As is commonplace among individuals diagnosed with XXXX, my short-term memory is completely shot. Because my long-term memory is extremely acute (to the point where Ive had to remind my own mother of incidents that occurred at the young age of XXXX XXXX XXXX, down to the specific smells, colors of and textures of various objects, etc., [while neurotypicals habitually struggle to recall even a generic outline of events that occurred before they were aged XXXX XXXX XXXX, let alone myriad details such as remembering specific colors, textures, smells, etc.]), which is considered a commonplace trait of XXXX, my short-term memory is extremely inadequate and lacking as a result. \\n\\nWhile Ive been trying to earn a degree heavily focused on developing AI systems and working with AI Agents (work that would fall more in-line/be far easier for an individual who possesses extreme acute long-term memory), working as a XXXX  at XXXX  means that I frequently forget long lists of verbal drink modifications or instructions that might be spouted off to me by customers after theyve already placed their orders. Short-term memory (or working memory, as its officially called), directly governs ones ability to both interpret and successfully recall verbal instructions. Pair this with the fact that having an extremely fast-paced working environment that places emphasis on ones ability to multi-task is an extremely difficult and disastrous environment for anyone formally diagnosed with XXXX, let alone just XXXX, and one might begin to understand why its difficult for me to work the type of jobs Im eligible to apply for without having received a successful college education and training. And hence why earning my college degree would most likely make work much easier for me, work thats tailored to my specific conditions and talents. \\n\\nAs such, XXXX  has been forced to provide me with small incremental pay raises, while at the exact same time Im unable to perform more than 10% of the descriptive job duties for my assigned position/role within the company (XXXX). Each day that I work, Im relegated to handing out change and beverages and food at the Drive-Thru window or doing cleaning tasks around my store. Other XXXX  receiving the same level of hourly pay I receive are able to complete these same tasks and more, namely make drinks, which constitutes the sole major function of the role of XXXX, and would undoubtedly serve as the chief business stratagem of the company (the ability to make coffee drinks for a fast-paced coffee restaurant/coffeehouse whose chief products of sale revolve around various flavors of coffee). This is the scenario that ended up getting me kicked off my SSDI benefits in XXXX XXXX, a scenario exacerbated just as much by Nelnets repeated lies as it is the fraudulent XXXX  practices that have been continuing to occur in my state for decades on end.\\n\\nAs of todays date, I currently still receive both XXXX  and XXXX. My rent has continued to increase annually every single XXXX  for the same one-bedroom apartment that Ive been renting from XXXX XXXX XXXX XXXX XXXX  for the last four years, with XXXX working in partnership with ICS provider XXXX XXXX XXXX XXXX  to provide apartments exclusively to XXXX  clientele. My rent has now skyrocketed to the point where it conflicts with the limited earned income guidelines for my XXXX  package. My XXXX  package is also used to pay for such services as the new pair of eyeglasses I just picked up last week, eyeglasses which I would be unable to afford without my XXXX, and which would also end being another factor that would limit both my ability to successfully work a job or succeed in school (not having access to eyeglasses that adequately correct my vision problems). My XXXX  package is also used to pay for all of the XXXX  rides (rideshare) that I take to and from work each day that Im scheduled to work, as Im currently enrolled in a program known as XXXX  XXXX, a program that sees XXXX  County provide a given amount of XXXX  rideshare funds each month ($1,500) so that I can have access to get back-and-forth to work and other places that I need to go. My job is approximately a 30-minute drive from my current apartment. While I could try to apply for working at a XXXX  location thats closer to my current apartment, the corrupt and fraudulent behavior perpetrated by mental health care and other XXXX  service providers in my state, namely the behavior of the corrupt job coaches Id cited above (who themselves receive payment via my XXXX  package), my relocating to a different store means that I would potentially be exposed to insensitive and corrupt co-workers and management, while of course XXXX  has a long track record of failing to protect my civil rights when it comes to matters of employment, just as well.\\n\\nToday, Im currently looking for more affordable ICS housing options. Im currently paying being forced to pay out of pocket for one class per semester at one of my local community colleges (as thats all I can currently afford to pay, while Nelnet, just like everyone else, has continued to get away with civil rights violations of neurodivergent borrowers). Unfortunately, I lost my XXXX  scholarship to XXXX, thanks half in part to my having to deal with faulty laptop equipment that Id used part of the very last of my undergraduate loans to purchase a laptop from Dell, as well as on the part of Nelnets deceitful practices. XXXX  partners with AXXXX XXXX XXXX XXXX for its educational program. Thus, XXXX educational program only pays 100% tuition for XXXX  employees who specifically attend XXXX  through their online platforms only; XXXX  doesnt pay for any on-campus classes taken at XXXX. XXXX online programs are all accelerated programs; each program takes the exact same amount of a complete, full, four-month semester of classwork and then crams this four-month semester worth of work into 7.5 week-long trimesters for XXXX  online students.\\n\\nIn the latter half of my online Bachelors in IT program, the portion that assigns me direct lab work with AI agents, Big Data analyzation and whatnot, Im allowed to take online courses at the four-month semester format. Until I get to those types of classes within my undergraduate program, classes found to be at the 400-numbered level of classwork, my only option is to take classes at the crammed 7.5 week-long trimester format. While attending XXXX  online, I was just barely able to reach the 200-level of course work within my degree program thanks largely in part to my having to ship my laptop back to XXXX  for repairs literally every 3-4 months over that duration of the last 1.5 years.  The scenario would be that at any given time, I would be enrolled in the middle of a trimester of multiple accelerated classes two separate 3-credit courses simultaneously each 7.5 week-long trimester to be exact. Id have either a high grade of around B+ or A- going at any given time within any trimester, when all of a sudden, the internal cabling in my laptop would go out, or one of the USB drives on my laptop would stop working, the BIOS of my laptop would no longer be able to receive necessary updates, etc. These incidents would often occur in the middle of a trimester, in which case Id have to wait to have a pre-packaged box sent out to me by XXXX, then I would have to ship my laptop in for repairs down to their headquarters in XXXX (thus sufficient time would have to be considered for my laptop to reach XXXX  headquarters all the way in XXXX, shipped from where I live in XXXX), then XXXX  would have to spend time performing any needed repairs, finally with subsequent time needed for me to receive my laptop shipped back to me from XXXX. \\n\\nBy that time, even if only lasting the duration of 1.5  2 weeks, my XXXX  grades would fall from circa an 88%- 95% B+ or A to well below the threshold for a 60% grade of D-. Seeing as how I needed at least a grade of C to pass all of my assigned classes, by the tie I would receive my laptop back from XXXX, Id have had to withdraw from my classes, as their wouldnt be enough time left for me to at least earn a passing grade of D-, let alone a C average. Even my repeatedly earning a borderline passing grade of D- (which wouldve ultimately served as an insufficient grade for me to be able to move onto the next set of classes, meaning I wouldve had to repeat such a class), wouldve eventually worked to see me placed on academic suspension from XXXX  along with subsequent loss of my XXXX  scholarship solely on account of low a low GPA. On the other hand, repeatedly withdrawing from the classes Id signed up for at the beginning of the trimester (which is the route I chose, given my two limited choices), eventually meant that Id ultimately end up on academic suspension with loss of my XXXX  scholarship solely on account of inadequate pace rate (completion rate of the classes Id originally signed up for at the beginning of each trimester).\\n\\nAs XXXX  does also offer a XXXX  plan to all of its full-time and part-time employees, a XXXX  plan which sees the company make substantial annual deposits of company stocks (termed RSUs, or Restricted Stock Units), any RSUs received from XXXX  dont vest until November of each year. This means that Im unable to turn my RSU units into cash until November of each year, something I planned to do so that I could purchase a backup laptop for school. This is where, yet again, Nelnets deceitful practices begin to unfairly come into play yet again. If Id simply tried to wait and refrain from signing up for any future classes at XXXX  until I could amass enough money from my XXXX  so that I could purchase a backup laptop (given the fact that my undergrad program at XXXX  has me working with all manner of complex and technically advance systems in order for me to complete my weekly assigned lab work, such requirements as running multiple virtual machines, cloud computing software and services from XXXX  and XXXX, Big Data software, and the running, processing and working with of AI agents [among many other technical requirements], I need a laptop with adequate RAM, VRAM, CPU processing power and GPU running and handing power). \\n\\nIn short, a XXXX  definitely would not have cut it. Just the  training, running and deployment of AI agents alone means someone would have to have a bare minimum some the lower-level of offerings in the line of the latest and greatest in GPU cards installed inside their laptop, along with the substantial amount of computer memory (both RAM and VRAM) needed for the training of complex AI agents. This means that I would usually have to spend upwards of XXXX XXXX on a laptop deemed adequate enough for my program. I didnt have the option of just sitting out for a couple of years so that Id be able pull ~ XXXX from my XXXX  to purchase a dependable, yet viable laptop sufficient for the type of work and purposes for which Id be using said laptop. Every time I wanted to wait and save enough money so that I could purchase another laptop, Nelnet would repeatedly harass me for monthly payments, already knowing full well that Id been continuing to receive SSDI, Medicare and Medicaid on a long-term basis. \\n\\nHere today, Nelnet still continues to harass me for monthly payments, even though Ive been struggling to pay for increase in rent for my apartment while having to limit my gross (not net, mind you) monthly earnings so that I can keep my apparently much needed Medicaid. Nelnet has deliberately trying to cheat  and exploit me out of every single one of my needed disability services. Instead of using my XXXX money to save for a the purchase of a reputable backup laptop (Ive since been able to purchase a light-weight HP laptop that had gone on sale for Black Friday in XXXX, as my XXXX  laptop is completely out of warranty and now longer functionable), Im currently using all of the money in my XXXX  each semester to pay for one class per semester at my local community college (as XXXX  wants me to pay out of pocket for 18 credits, which I can take at the community college level for far cheaper and subsequently transfer them in, before being allowed to once again use my XXXX  scholarship). XXXXXXXX  is trying to blame me for technical problems beyond my or any students control, let alone a disabled, low-income student at that. The community college at which Im currently enrolled does offer a full-ride scholarship that pays for 100% of a students tuition up to receipt of a  four-year Bachelors degree (a program which had not been offered the last time Id attended community college several years earlier, circa XXXX XXXX XXXX). Im having trouble with my local state community college system allowing me access to that scholarship, as they want to take for granted that all of my civil rights have been unfairly and unjustly violated time and again over the years, just for my having diligently trying to earn a college degree. My local community college wants to try to look at my historical academic record and try to hold me responsible for being put into unfair scenarios that neurotypical college students (against whom they unfairly compare and contrast my academic performance to) never have to endure a day in their life, such as being evicted and subsequently made to be homeless in the middle of an academic term simply for doing their assigned college homework. Then along comes Nelnet with their brand of civil rights violations against neurodivergent Americans who already have it hard and unfair enough to begin with in life. My monthly payment from Nelnet should be $0, and they should be forced to acknowledge the fact that my rent has continued to climb higher each year, while I frequently have a limited cap on the amount of monthly income I can earn as a result of services I need in order for me to be successful as a person with substantially documented disabilities. Nelnet is deliberately and repeatedly actively doing their part to make sure that fail whichever classes I most currently enrolled at the time, working alongside everyone else trying to violate my civil rights.\\n\\nAlong with this complaint, Ive attached an official verification letter from the Social Security Administration (again, this letter has todays date at the top, the same date  said verification letter was downloaded from their website, ssa.gov). Ive also attached my official ICS and service plan that is currently covered via my XXXX  package and rendered via services from the state of XXXX. Ive also attached a documentation from XXXX, the company that provides my XXXX  services here in the state of XXXX. Furthermore, Ive attached a picture of the most recent annual letter from my landlord, XXXX, stating  my annual increase in rental payments, as habitually increased every XXXX. Ive also sent a photo of a recent eviction letter I received from this same landlord as of last month as a result of my constant struggles to pay rent. Finally, Ive attached a picture of the schedule weekly schedule of assigned meeting hours Im supposed to have scheduled with ICS staff from my ICS provider XXXX, scheduled for this week (starting on todays daye of 3/9/2026). Keep in mind while all of the hours shown only add up to only 21 hours per week, such a schedule would be completely irrespective of the same amount of meeting hours unfairly demanded by my XXXX worker, two separate case managers, Housing Support coordinator (the state of Minnesota was recently forced to terminate its statewide Housing Support Program this past fall, a program that targeted neurodivergent XXXX  recipients, due to the sheer amount of XXXX  fraud having been committed in just the Housing Support Program alone). \\n\\nAs of the present, Ive fired  the majority of my service providers, as there currently isnt much these service providers can do in terms of further violating my civil rights, now that multiple public uproars and ensuing investigations have now been made and are continuing to be made at both the local state level, Federal national level and as well as the national mass media level concerning the ongoing XXXX  fraud being perpetrated in this country on a daily basis, with states such as XXXX  currently being brought to the forefront of such investigations. Additionally, my firsthand experience has only work to showcase how people often take for granted the civil rights and liberties they have personally afforded for them, and only care to see someone elses completely different and unique situation from the vantage point of their own privileged life circumstances (e.g. neither the people at Nelnet nor the neurotypical individuals staffed on the academic committees that governing both the academic and pace rate success of students at Americas post-secondary institutions care to take into consideration unjust, discriminatory and impossible scenarios which they themselves havent had to endure). \\nI have also uploaded a screenshot from my diagnostic packet received from XXXX  of XXXX, showcasing the late diagnoses I received in 2019 (the state of Minnesota had previously and illegally misdiagnosed me without having once communicated with me the extent of my original diagnoses, which have all been successfully refuted by XXXX  in XXXX). Also noteworthy is the fact that while XXXX  had spent a full 1.5 months of conducting both professional and official clinical tests, holding phone conversations with my parents so they could properly gauge the full onset of displayed symptoms (which has been missed and shouldve originally been diagnosed at the age of 5), not once had any of my previous medical doctors or therapists (the medical professionals whod originally diagnosed me) bothered to conduct any manner of clinical testing, bothered to contact family members, or lift a finger in the name of conducting any veritable research in the name of substantiating their diagnoses. As such, Ive provided a screenshot of the diagnostic summary received from XXXX  as well as a copy of the full clinical packet/diagnoses from XXXX, which chronologically and painstakingly work to detail all clinical tests performed as well as the outcome of each individual test, and each test directly relates to my diagnoses received from XXXX.\\n\\nThank you for your time and help with this unfair matter of prejudice.'","date_sent_to_company":"2026-03-09T17:12:04.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"55075","tags":null,"has_narrative":true,"complaint_id":"20096492","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2026-03-09T16:31:04.000Z","state":"MN","company_public_response":null,"sub_issue":"Problem lowering your monthly payments"},"highlight":{"complaint_what_happened":["being brought to the forefront of such <em>investigations</em>."],"company":["<em>Nelnet</em>, Inc."]},"sort":[9.148321,"20096492"]},{"_index":"complaint-public-v1","_id":"14575100","_score":9.121142,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX Customer Service, I am writing to formally dispute the status and servicing of my student loan ( XXXX ) currently held by XXXX. Given the recent reports regarding * * federal investigations into XXXX loan servicing practices * *, I am requesting a * * full review * * and * * verification of the accuracy and legality * * of the loans being serviced under my name. \n* * Key concerns include : * * * The validity of interest accrual and balance calculations * The handling of repayment and deferment options * The servicing practices that may have adversely impacted my repayment history or credit * Potential mismanagement of communications, billing, or loan status updates As a borrower, I have the right to request a complete and transparent review of my loan file under the * * Fair Credit Reporting Act ( FCRA ) * * and other applicable consumer protection laws. \nPlease consider this a formal dispute and request for : XXXX. A * * detailed account history * * of all payments, interest, fees, and adjustments XXXX. Copies of * * original promissory notes * * and loan agreements XXXX. Confirmation of compliance with XXXX XXXX XXXX  servicing standards XXXX. A review to determine whether my loan qualifies for cancellation, discharge, or forgiveness under any available federal program Until this dispute is resolved, I am requesting that any adverse credit reporting related to this loan be suspended and that XXXX refrain from any collection or penalty actions. \nPlease respond in writing within * * XXXX  days * *, as required by federal law. If I do not receive an adequate response, I may escalate this issue through the * * Consumer Financial Protection Bureau ( CFPB ) * * and the * * XXXXXXXX XXXX XXXX XXXX * *. \nThank you for your attention to this matter. I look forward to your prompt and thorough response. \nSincerely, XXXX XXXX XXXX They replayed with missing information : Dear XXXX, Thank you for contacting us regarding your federal student loan account serviced by XXXX on behalf of the XXXXXXXX XXXX XXXX XXXX ( XXXX ). \n\nWe appreciate your patience while we worked through a backlog of emails. \n\nPlease accept our apology for the delayed response. \n\n\n\nThis message is to verify we have received your e-mail and we have updated your contact information. Keeping your contact information updated is vital for us to help you successfully repay your loan ( XXXX ). \n\n\n\nThe requested document ( XXXX ) is attached. \n\n\n\nAs you make payments on your student loans, its important to understand how those payments are allocated across loan groups. In general, payments are first applied to accrued interest, once accrued interest is paid, the remaining is applied to your principal balance. \n\nUnless you direct your payments to an individual loan or loan group, the standard allocation method is as follows. Payments are allocated first to any past due groups. Once all groups are up to date, payments are allocated across groups in an active repayment status, in proportion to each groups regular monthly payment amount, less any amount already paid for that month. \n\nFor more information about our standard payment allocation methodology, please visit Nelnet.StudentAid.gov/content/howpaymentsareallocated. \n\n\n\nXXXX reports student loans ( both current and delinquent ) to the national consumer reporting agencies. Nelnets current policy is to report every loan on the last day of the month. \n\nBorrowers are reported as current if their account has not reached XXXX  days past due on the date of the reporting. With regard to delinquent payments, XXXX generally begins reporting that payments are late when a student loan reaches XXXX  days past due. However, XXXX reserves the right to report delinquency at XXXX days or more past due. \n\nEven if youve missed a student loan payment or had delinquent loans in the past, you may be able to reverse the negative impact over time by making your student loan payments on time. Keep in mind that negative credit reporting can appear on your credit report for up to XXXX years. \n\n\n\nAs a federal student loan servicer, it is our responsibility to provide borrowers with up-to-date information on their account, including status updates, monthly billing statements, past due notices, and other account-related communications. We are required to provide certain notices by law. \n\nIf you have questions regarding your borrower rights and responsibilities, you can review your Master Promissory Note ( MPN ) by logging in to your XXXX account. The MPN explains the terms and conditions of your federal student loan ( XXXX ). \n\nLooking for more options? Were here for you. Visit Nelnet.StudentAid.gov/content/options where we provide you with possible solutions based on your specific needs. \n\n\n\nWe understand youre looking for available options to ease in managing repayment of your student loans. XXXX aims to alleviate frustration and help you achieve repayment success. \n\nWeve created a one-stop resource you can use to explore several types of repayment relief at nelnet.studentaid.gov/content/options. On this page, youll find information and additional resources on the following topics : Income-Driven Repayment ( IDR ) Plans : Find out about how to make student loan payments tailored to your ability to pay, based on your income and family size. \nStandard, Graduated, and Extended Repayment Plans : These student loan repayment plans provide a structured and predictable way to pay off your student loans over a fixed period, typically XXXX to XXXX years. \nPostponement of Payments : Learn about the types of deferment and forbearance for which you may qualify. Loan postponement provides a temporary break from your student loan payments based on life circumstances. \nLoan Forgiveness and Discharge : Borrowers who pursue public service careers may be eligible to have their remaining balance forgiven after a required number of years of employment. In addition, there are certain situations in which borrowers are eligible to have their loans discharged. \nXXXX encourages you to review nelnet.studentaid.gov/content/options to learn more. You can also explore your specific eligibility for IDR plans, deferments, and forbearances in your online account by logging in to nelnet.studentaid.gov/ and selecting Repayment Options and Resources in the navigation bar of your dashboard. \n\n\n\nXXXX offers loan forgiveness opportunities for the XXXX XXXX XXXX in certain situations. Examples of forgiveness programs available are : XXXX XXXX XXXX XXXX, total and permanent XXXX discharge, Teacher Loan Forgiveness, and borrower defense to repayment. You may also qualify for loan forgiveness after making a certain number of qualifying payments on an income-driven repayment ( IDR ) plan. For the most up-to-date information on forgiveness and discharge programs offered and how to apply, please visit XXXX \n\nQuestions? Were here for you. Log in to your XXXX account or reach out to us at NXXXX \n\nSincerely, XXXX XXXX. \n\nYour XXXX Customer Service Team I respond : Dear XXXX Customer Service, Thank you for your response to my formal dispute and for providing a copy of XXXX Master Promissory Note ( MPN ), a payment history summary, and a record of deferments and forbearances. I appreciate your effort ; however, the response provided does not fully satisfy the documentation or verification I formally requested under the Fair Credit Reporting Act ( FCRA ) and relevant federal student loan servicing regulations. \n\nSpecifically, the following items remain incomplete or missing : You provided only XXXX MPN, dated for XXXX XXXX. However, my loan records show disbursements across multiple loan groups ( AAAM ). I am requesting a separate, signed promissory note or school certification for each disbursed loan or institution XXXX claims to service on my behalf. \n\nThe payment history PDF lacks full interest accrual calculations, amortization schedules, and transparent breakdowns of how balances increased. These are necessary for me to verify the accuracy and legality of the current balance. \n\nYou did not provide written confirmation that XXXX is in compliance with XXXX Department of Education loan servicing policies, including proper servicing transfers, accurate credit reporting practices, and application of interest and forbearance periods. \n\nYou also did not conduct a personalized review to determine whether I am eligible for loan forgiveness, discharge, or cancellation, as I requested. \n\nTherefore, I am renewing my request for the following documents and actions : Copies of all original signed promissory notes and/or school certifications tied to each loan you service under my name. \n\nA complete loan transaction history ( per loan ), showing all disbursements, interest accruals, capitalizations, payments, and fees. \n\nA written statement verifying Nelnets full compliance with federal servicing standards and credit reporting regulations. \n\nA written review and assessment of my eligibility for loan discharge, forgiveness, or cancellation under current federal programs. \n\nUntil I receive a full and complete response, I respectfully ask that : XXXX suspend all collections and adverse credit reporting on these loans ; This matter be handled as an active dispute in accordance with federal law. \n\nIf I do not receive a full response within XXXX business days, I will be escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. \n\nThank you for your prompt attention to this matter. \n\nThey responded : Dear XXXX, Thank you for contacting us regarding your federal student loan account serviced by XXXX on behalf of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). \n\nAfter reviewing your concerns, we feel that it would be best to speak to you directly. Please call us at XXXX and XXXX of our friendly and knowledgeable customer service advisors can assist you. They will be able to review your account and discuss your concerns in much more detail than what we could provide to you by email. \n\nQuestions? Were here for you. Log in to your XXXX account or reach out to us at XXXX \n\nSincerely, XXXX XXXX \n\nYour XXXX Customer Service Team","date_sent_to_company":"2025-07-10T17:45:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30013","tags":null,"has_narrative":true,"complaint_id":"14575100","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-10T17:44:46.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Given the recent reports regarding * * federal <em>investigations</em> into XXXX loan servicing practices * *, I am requesting a * * full review * * and * * verification of the accuracy and legality * * of the loans being serviced under my 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