Consumer complaint received 2019-09-10
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nelnet has incorrect data on its website, letters, and has failed to report accurate data to CRA's. When questioned about these Acts with discoverable files from XXXX, XXXX and XXXX Nelnet denies any wrongdoing. Nelnet has engaged in willfully negligence practices. Nelnet has violated Federal and State ethics Laws. Nelnet has used predatory defamation tactics by failing to act and disturbing the trust of the federal system of government. Nelnet willfully violated an Open Records Request violating state and federal law. Nelnet engaged a borrower with the intent to defraud by using DOE seal letters in conversations. Nelnets Failure to preform a reasonable investigation constitutes legal action under the FCRA, Section 616, for willful non-compliance by CFPB and FTC and any other Government Agencies impacted or with purview over this matter. FCRA Violations: FCRA 660 and 643 by failure Failure to Respond to FCRA 616 Nelnet has WILLFULLY VIOLATED FCRA SECTION 623 Items Requested were not given to consumer in a timely manner.  Collusion and attempt to defraud: After Multiple Acts of Negligence The CFPB recommended contacting US DOE in Case XXXX. Contact with US DOE was answered by Nelnet and not US DOE. This is a blatant conflict of interest and US Department of Education is now liable and a Co-conspirator  Under the federal conspiracy statute: The agreement by two or more persons is the essence of the crime.The co-conspirators must agree to commit a federal crime or to defraud the United States or any federal agency in any manner and for any purpose. Nelnet and US DOE have by failure to act defrauded the US Government by failing to abide by Federal Standards Regarding Negligence and FCRA guidelines. Precedent to substantiate all claims made: Nelnet has now shown a history of Negligence by not providing accurate and timely information to an account holder under FCRA guidelines. This precedent of Negligence shows that Nelnet is incapable of handling this account in a manner consistent with Federal Regulations and State Laws. Failed to respond to all FCRA 660 and 643 Request in CFPB Complaints XXXX XXXX Failure to Respond to FCRA 616 in CFPB Complaints XXXX   XXXX Nelnet has WILLFULLY VIOLATED FCRA SECTION 623 Items Requested were not given to consumer in a timely manner.  Nelnet violated State and Federal negligence laws willfully by standing behind those denials in previous CFPB complaints. Nelnet has failed to provide information as required under FCRA 660 or 643. Nelnet provided incorrect information on a CRA for 1 year after multiple CFPB complaints and stood by and said it had done nothing wrong. Then why was were CRA changed after a dispute with XXXX proving Nelnet had neglected to provided Accurate information? Nelnet has never answered this question. Nelnet has never provided proof it sent information to CRAs according to Federal Regulations. Nelnet has been notified and failed to provide information under FCRA 660 and 643 guidelines and is in Violations of State and Federal laws concerning negligence by ignoring these guidelines and there respective calls for timely responses and accuracy. Particularlly, concerning section 3 and 4 "(3) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611(a)(1) of the Fair Credit Reporting Act (15 U.S.C. 1681i(a)(1)) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and (4) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate" 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. Nelnet has WILLFULLY VIOLATED FCRA SECTION 623 by Not providing information as requested and not giving information to account holder either accurately, infull or not at all. Please provide the following: 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. 2) Information concerning illegal interest reported to CRAs while loan was in Admin Forbearancewithout signed notice from borrower under 682.211 Forbearance AND ADMITTED TO IN CFPB case XXXX 3)Proof of Debt for all Loans persuant to all rules in FCRA 623 4) Proof of submission of correct information to CRAs from Nelnet to CRAs from XX/XX/XXXX_XX/XX/XXXX under Open Records Acts pertaining to 3rd party contractors who work as officials of a Govt Service 5) Verification of Security protocols surrounding PII from XX/XX/XXXX-XX/XX/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 XXXX 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 Nelnet is clearly negligent by Referencing 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 case XX/XX/XXXX and sent to Attorney Generals office shows XXXX Requested information. This information was never sent back. Due to Lack of response XXXX Deleted the information yet Nelnet still implies no Wrong doing in future CFPB responses and letters to account holder. This behavior is negligent behavior at best or intentionally malicious at worst. 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 Nelnet responded on XX/XX/XXXX. So in XX/XX/XXXX Validation of Debt was asked for, By Law its due to the requestor  by 30 days. Nelnet did not sent verification until XX/XX/XXXX  which is far past the 30 day Window and clearly negligent and a violation of FCRA guidelines. This can be proven by review of  XX/XX/XXXX when Nelnet was aked for a second time and responded to intial response therby violating FCRA Guidelines on XXXXXX/XX/XXXX Submitted to the CFPB on XX/XX/XXXX.They did not send verifcation until XX/XX/XXXX that was due 30 days out in XX/XX/XXXX. They failed to send valid information in a timely manner. They failed to provide accruate inforamtoin to CRA's. It was attached to Credit Report Incorrectly and evidence was provided to Attorney General and CFPB that is was still wrong as of XX/XX/XXXX.

Company response to consumer: Closed with explanation