Consumer complaint received 2026-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
To : CFPB ( Follow up to Complaint ID # XXXX ; no information received from servicers ) Nelnet Loan XXXX XXXX Servicing XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Notice of Dispute, Demand for Validation, Account Reconstruction, and Request for Documentation Accounts Referenced : Federal Student Loans Serviced by Department of Education XXXX Nelnet and Sloan Servicing Reported Total Balance : {$98000.00} ________________________________________ NOTICE OF FORMAL DISPUTE This letter serves as formal notice that I dispute the validity, accuracy, and servicing integrity of the above referenced student loan accounts pursuant to : 15 U.S.C. 1681s-2 and 1681i ( Fair Credit Reporting Act ) 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ) 20 U.S.C. 1087e ( Higher Education Act ) 34 CFR 685.206 ( Borrower Defense and Dispute Rights ) 5 U.S.C. 552a ( Privacy Act ) 15 U.S.C. 6801 ( Gramm-Leach-Bliley Act ) ________________________________________ SERVICING ISSUE AND FAILURE OF DOCUMENT DELIVERY I previously initiated a complaint with the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX During a subsequent conversation with a Nelnet representative, I was informed that I should have received a substantial documentation package in response to that complaint. To date, I have not received any such documentation. This failure raises serious concerns regarding : Proper handling of my dispute Compliance with federal response requirements Integrity and completeness of my loan records ________________________________________ GROUNDS FOR DISPUTE The balances currently reported appear to include discrepancies related to : XXXX. Improper balance transfer between Nelnet and Sloan Servicing XXXX. Failure to properly credit payments XXXX. Incomplete or missing documentation following a formal CFPB complaint XXXX. Potential inaccuracies in credit reporting XXXX. Data integrity concerns during federal student loan servicing transitions ________________________________________ FORMAL DEMAND FOR ACCOUNT RECONSTRUCTION AND DOCUMENTATION Due to these discrepancies and the failure to provide prior requested documentation, I am formally demanding complete account reconstruction and validation of all loan accounts. This request includes, but is not limited to : XXXX. The original signed Master Promissory Note ( XXXX ) XXXX. Full chain of custody documentation demonstrating the legal transfer of servicing rights between all entities involved XXXX. A complete transactional ledger, including : o all payments received and applied o all interest accrual and capitalization events o all deferments and forbearances XXXX. Documentation supporting the calculation of the current balance XXXX. Proof of legal authority for each loan servicer to furnish and report data, particularly in light of recent federal education program restructuring ________________________________________ CEASE COLLECTION AND REPORTING REQUIREMENT Pursuant to 15 U.S.C. 1692g and applicable federal regulations, I request that all collection activity and negative credit reporting cease until this dispute has been fully investigated and resolved. ________________________________________ NOTICE OF REGULATORY ESCALATION Copies of this dispute have been, or will be, submitted to the following agencies : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Ombudsman XXXX Federal Trade Commission XXXX, XXXX, and XXXX XXXX of the Texas Attorney General Failure to provide the requested documentation or to correct any inaccuracies may constitute violations of federal consumer protection laws. ________________________________________ RESPONSE DEADLINE Please provide written confirmation of receipt of this dispute and a complete response within thirty ( XXXX ) days. If you are unable to produce the requested documentation, the accounts must be corrected or removed in accordance with applicable federal law. ________________________________________ Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation