Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Unauthorized Student Loan Account Account # XXXX To Whom It May Concern, I am writing to formally dispute an unauthorized student loan account reported by FIRSTMARKXXXX XXXX XXXX XXXXXXXX XXXX which XXXX XXXX purchased from XXXX without my knowledge or consent. 
As a Petty Officer Third Class ( XXXX ) currently on XXXX XXXX XXXX, I was not notified of this transaction, nor did I authorize it. This matter has negatively impacted my financial standing and violates multiple federal, state, and military protections. 
Disputed Account Details : Creditor : FIRSTMARK/XXXX XXXX XXXX XXXX Original Creditor : XXXX Account Number : XXXX Current Balance : {$14000.00} Original Purchase Amount : {$10000.00} Purchase date : XX/XX/XXXX Status : Open Legal Violations & Protections XXXX. Lack of Consent Violation of Federal & Massachusetts Contract Laws 15 U.S.C. XXXX ( Truth in Lending Act - XXXX ) : Requires lenders to disclose loan terms before a borrower assumes liability. No such disclosure was provided. 
XXXX. XXXX XXXX ( Massachusetts Consumer Protection Law ) : Failure to notify me of this loan constitutes an unfair and deceptive trade practice. 
XXXX. Chapter XXXX, XXXX ( Statute of Frauds ) : Any financial agreement above a certain threshold requires a signed written contract. I never signed any such agreement. 
XXXX. Violation of the Servicemembers Civil Relief Act ( XXXX ) XXXX XXXX. XXXX As an XXXX XXXX XXXX  member, I am entitled to protections under the XXXX, including : XXXX U.S.C. XXXX ( Interest Rate Protections ) : Lenders must notify servicemembers of loan modifications. I was never notified. 
XXXX XXXX. XXXX ( Legal Protections for XXXX XXXX Military Members ) : Creditors can not enforce financial obligations against a XXXX XXXXmember without proper notice. 
XXXX XXXX. XXXX ( Protections Against Default Judgment ) : Lenders can not report negative credit activity on an account without following legal procedures. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX et seq.

15 U.S.C. XXXXb ( Permissible Purposes ) : This loan should not have been added to my credit report without my authorization. 
15 U.S.C. XXXX ( Responsibilities of Furnishers of Information ) : Creditors must verify account legitimacy before reporting it. This was not done. 
15 U.S.C. XXXX ( XXXX XXXX Alert ) : As a XXXX military member, I have the right to place an XXXX XXXX Fraud Alert to prevent unauthorized loans. 
XXXX. Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. XXXX et seq.

15 U.S.C. XXXX ( False or Misleading Representations ) : It is illegal for a creditor to misrepresent the validity of a debt. 
15 U.S.C. XXXXf ( Unfair Practices ) : Attempting to collect an unauthorized debt is an unfair debt collection practice. 
XXXX. Violation of Massachusetts Debt Collection Laws XXXX. Chapter XXXX, XXXX ( Usury Laws ) : Massachusetts law prohibits unlawful interest rates and invalid debt collection. 
XXXX. Chapter XXXX, XXXX ( Debt Collection Regulation ) : Deceptive or unfair collection practices are illegal. 

Requested Actions : XXXX. Immediate Investigation : Verify the authenticity of the loan and confirm whether the purchase/transfer was legally valid. 
XXXX. Removal of the Account : If the loan was unauthorized, remove it from my credit report and correct any negative impacts on my credit score. 
XXXX. Cease Collection Efforts : STOP all collection attempts immediately until the investigation is resolved. 
XXXX. Update My Military Status : Ensure my XXXX Military Status is correctly reported under the SCRA protections. 
XXXX. Provide Documentation : Supply all signed contracts and legal records that allegedly allow FIRSTMARK/XXXX XXXX XXXX XXXX to claim this debt. 

Supporting Documentation Enclosed : Copy of AXXXX XXXXXXXX Orders ( Confirming XXXX eligibility ) Affidavit of Unauthorized Account ( Statement affirming no authorization ) Copy of Credit Report Highlighting Disputed Account CFPB complaint Under 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ) ( Fair Credit Reporting Act ), you are legally required to respond within XXXX days of receipt. Failure to comply may result in legal action against your agency. 

CC : XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX Final Request : Given the legal protections afforded to XXXX XXXX servicemembers, I expect this matter to be handled with urgency and priority. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX, XXXX United States XXXX

Company response to consumer: Closed with explanation