Consumer complaint received 2019-05-29
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nelnet failed to respond per OCGA and Federal Statues to an open Records Request in full by omitting information with intentional negligent behavior Failed to Respond to open Records Request In Case XXXX Nelnet failed to respond to an open records request violating State and Federal Laws. Nelnet has continually refused comment reciting previous messages and emails that were not completed in full so this is not surprising. This has now become intentional negligent behavior. Please read The ENTIRE COMPlAINT IN FULL Nelnet has WILLFULLY VIOLATED FCRA SECTION 623 Items Requested and not given to consumer in a timely manner and committed and errors s d us now will fully negligence by standing behind those denials. As of XX/XX/XXXX information is still incorrect and reporting to all CRAs has not been Verified or addressed. 

Never answered 1 ) All information and correspondence with US department of education under the Open Records Act concerning the admin Forbearance as it did not follow protocols and protections set in place by US Federal Code 682.211 Forbearance.

Never answered 2 ) Information concerning illegal interest reported to CRAs while loan was in Admin Forbearance without signed notice from borrower under 682.211 Forbearance AND ADMITTED TO IN CFPB case XXXX Not provided in accordance with 30 day window under FCRA guidelines Accuracy can not be verified 3 ) Proof of Debt for all Loans persuant to all rules in FCRA 623 or removal of Account from Record This information has never been provided upon multiple requests 4 ) Proof of submission of correct information to CRAs from Nelnet to CRAs from XXXX under Open Records Acts pertaining to 3rd party contractors who work as officials of a Govt Service or removal of Account from Record Never provided 5 ) Verification of Current Payment Structure and amounts Due orremoval of Account from Record Never Provided 6 )  Verification of Security protocols surrounding PII from XXXX where personal data was likely compromised Appendix A ) Precedent of Negligence and Willfull misconduct by Failure to provide information according to FCRA 623 FCRA ISSUE XXXX XXXX Submitted to the CFPB on XX/XX/XXXX Information Submitted with this complaint Nelnet admitted no wrong doing on the above case However : The Exact Same Case was submitted to Equifax on XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Found there was an issue yet Nelnet still believed no wrong doing FCRA ISSUE 2 +ECOA ISSUE XXXX Submitted to the CFPB on XX/XX/XXXX There Reference a Case that has nothing to do with the compaint received and in the original case. There is no information concerning the missing data. Clear negligent Behavior by NELNET and a violation of State and Federal Law Screenshot that was attached to this complaint shows XXXX  Requested information and it was never sent back to themDue to Lack of response XXXX Deleted the information yet Nelnet still implies no Wrong doing FCRA ISSUE 3 Not providing Validation of Debt Within 30 Days by Law + Innaccurate Information Predatory Loan Practices Under FDCPA XXXX Submitted to the CFPB on XX/XX/XXXX Response They did not adress any of the issues brought up and note " We are not your lender, the Department of Education is your Lender '' FCRA VIOLATION # 4 Failure to provide information in a timely manner Failure to report accurate information to CRA 's Accuratly I want you to Pay Very Close Attention Here So Refer back up to FCRA ISSUE 3 where they responded on XX/XX/XXXX So in XX/XX/XXXX Validation of Debt was asked for, By Law its due to the Client by 30 days They did not sent verification until XXXX when it was aked for a second time therby violating FCRA Guidelines on XXXX Submitted to the CFPB on XX/XX/XXXX They did not send verifcation until XXXX. They failed to send valid information in a timely manner. They failed to provide accruate inforamtoin to CRA 's. Its still wrong as of XX/XX/XXXX Action to be taken : Removal of All accounts from All CRAs Immediately as Information is incorrect and Nelnet has proved to be negligent based on past precedent set above. They continue to refute information with blanket answers and no documentation or research. Removal of all accounts from Nelnet as precedent set shows will full and blatant negligence and account should be removed from records and discharged. Nelnet has Failure to preform a reasonable investigation which constitutes legal action under the FCRA, Section 616, for willful non-compliance. Case law establishing liability of reporting inaccurate information was established in XXXX v. XXXX and XXXX v. XXXX XXXX. Failure to conduct a reasonable investigation can also lead to complaints being filed with your states Attorney General, the Federal Trade Commission and the Consumer Financial Protection Bureau,

Company response to consumer: Closed with explanation