Consumer complaint received 2023-05-18
Company: Nelnet, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NOTICE TO AGENT IS NOTCE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT Apon my review of my consumer reports it has come to my attention that you Depted Nelnet, that you are reporting accounts to my consumer reports that I did not give you express permission or permissible purpose. 15 usc 1681b2 ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer I have the right to privacy pursuant 15 usc 1681, 15 usc 1692, 15 usc 6801, 15 usc 1681g, my private non public information is my business, my student loans are my private information 15 U.S. Code 1681g - Disclosures to consumers youve failed to give me proper discloses pursuant ( B ) ( 3 ) Identification of each person You have reported my private information without my consent. Fail to identify end-user of report or information & each permissible purpose pursuant 15 usc 1681e ( 1 ) ( e ) Procurement of consumer report for resale ( A ) & ( B ) ( 2 ) Responsibilities of procurers for resale A financial institution has responsibilities of procurers for resale ( 2 ) Responsibilities of procurers for resale ( i ), ( ii ), ( iii ) ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).

Provide the validation of the certification of the permissible purpose document you should have certified before selling my report.

-You are supposed to have procedure in place to protect my information -You are supposed to certify the information -You are supposed to certify the written permissible purpose -You are supposed to certify that the information is being used for this purpose and this purpose only -You are supposed to certify that who is pulling the report has permissible purpose to do so.

-You are supposed to certify that the information that is being pulled will be used for no other purposes other than the purposes in which the report was certified for.

Your actions amount to aggravated identity theft.

18 usc 1028A, As an consumer you have an obligation to respect the privacy of its customers to protect the security & confidently of those customers non public personal information.

You reported my confidential and private information to a non affiated third party without my permission or with out giving me proper disclosure.

So pursuant 15 usc 6802 obligation with respect to discloser of personal information ( b ) Opt out A financial institution may not disclose non public personal information to a non affiliated third party unless A, B, C was done.

You I am requesting ALL of my disclosures pursuant 15 usc 6802B that youve should have conspicuously disclosed to me before reporting of my non public personal information to non affiliated third parties ( XXXX, XXXX, XXXX. XXXX  ) I am exercising my right to opt of my information being reported pursuant 15 usc 6802b.

You actions has caused me and my family severe mental, deformation of character You Have violated my consumer rights. My right to privacy and the obligation you have to maintain the security and confidentially of my private information.

18 usc 1028A - Aggravated identity theft Whoever knowingly Transfers, possess, or uses without lawful authority a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Company response to consumer: Closed with explanation