Consumer complaint received 2018-11-02
Company: Nelnet, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please be advised this is a copy, and paste of one of the emails sent to Nelnet.

My name is XXXX XXXX. I officially feel at this point my civil rights are being violated. Since XX/XX/XXXX I have been trying to rectify a issue with the department of education, and the department of education/nelnet. Every time I try to get the issue fixed, and I have made over 30 attempts to do so, I just get blown off.

After a divorce, I made efforts to better myself, and the lives of my XXXX children that I have sole custody of. In late XX/XX/XXXX loans that I was told where in deferment where evidently not!! I was not made aware that the loans where defaulted, I was not made aware that a outside servicing company was dealing with them.

In XX/XX/XXXX, upon filing my federal income tax, all the money was torn from my hands by the department of education, stating the loans where in default. As if this was not bad enough, they still had remaining balances. I worked with nelnet, whom I was told was the service representatives, and I reinstated the loans.

I was then told that since the loans where reinstated, and that there was a discrepancy in the servicing that my credit would be updated. I was not even aware that it was reported to my credit, so that was another blow! After speaking to them, I went online, and I checked all 3 of my reports. I was beyond shocked to find out not only was nelnet reporting defaulted loans, the us department of education was reporting duplication on the loans. This is showing now 6 defaulted student loans on my credit profile.

I have disputed this with the credit reporting agencies on numerous occasions, and all yall have done is verify the defaults are accurate. They are not! I have also on numerous occasions done the same with nelnet, to no avail. I am being penalized 6 times on my credit, for 2 loans, that are almost paid in full.

Please see attached showing the multitude of accounts, and my position. This is a clear violation of my rights, and it is doing financial damage to my, and my XXXX   children.

FOLLOW UP COPY, AND PASTE ALL INFORMATION PERTAINING TO THE REPORTING.

Please be advised as of XXXX XXXX central standard time today, I will be filing suit suit for civil rights violations. Based on my numerous conversations with Nelnet, and the factors surrounding my report I feel that it is my only option at this time. Nelnet has negated fixing their misrepresentation on my credit profile, obtained my credit illegally, has caused defamation, has violated multiple clauses of the fair credit reporting act, discrimination, harassment, and a multitude of violations/infractions.

Below it shows the 35 % decrease on my credit report due directly to Nelnet. Without the infractions present my score, and history would be significantly higher. This is also now causing me a serious financial hardship, that Nelnet is the direct cause. The fair credit reporting act prohibits duplication reporting on same items. It also prohibits 2 separate entities from reporting the same line items. This act is violated on numerous occasions, with Nelnet going as far as verifying to the major credit reporting agencies that the information is true, and accurate. Basically they are verifying misrepresentations, as factual.

I ask that this gets corrected today, to spare me the expense of filing a suit. It will not help my financial situation to have waste more money. This is being sent to all major parties, so there is a record, and a paper trail. Upon speaking to XXXX   yesterday the person that stated they where in charge of my complaint I was informed that they will not correct, or remove as requested. They will leave the illegal, immoral, fraudulent, discriminatory information in place. I feel that giving this 2 years, and over 60 attempts I can more forward with my moral compass intact.

Also please see below the damage to my credit, the primary FCRA violation. The duplicate reporting, is the second major violation. Nelnet over reported on the department of education. There line was a secondary add, for the same debt.

XXXX XXXX XXXX

Company response to consumer: Closed with explanation