Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against [ NELNET XXXX ], Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details

: 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 2. Failur
e to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 


I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the XXXX order issued by XXXX XXXX to abolish the XXXX Department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts. 
XXXX. Lack of Credible Verification With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans.

2. Material Change in Federal Oversight The entity responsible for these loans no longer exists, rendering past reporting structures invalid.

3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law. 
Please provide me with a written response confirming the removal of these accounts within XXXX  days as required by law. Failure to comply will result in further action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation