Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint and Request for Immediate Deletion Unauthorized, Duplicative, and Inaccurate Accounts Reported by XXXXNelnet and Deptednelnet To Whom It May Concern, I am filing this formal complaint regarding multiple inaccurate and unauthorized accounts reported by XXXX/Nelnet and Deptednelnet , which are being unlawfully furnished and maintained by Experian, Equifax, and TransUnion . These furnishers and credit reporting agencies are in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Nature of Complaint and Violations # Furnisher Account # ( Partial ) Opened Balance Past Due XXXX XXXX/Nelnet XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$8500.00} {$500.00} XXXX XXXX/Nelnet XXXX XX/XX/XXXX {$12000.00} {$750.00} XXXX XXXX/Nelnet XXXX XX/XX/XXXX {$7300.00} {$520.00} XXXX XXXX/Nelnet XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$6800.00} {$400.00} XXXX XXXX/Nelnet XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3900.00} {$250.00} XXXX XXXX/Nelnet XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2700.00} {$190.00} XXXX XXXX/Nelnet XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} {$140.00} XXXX XXXX/Nelnet XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1900.00} {$120.00} XXXX XXXX/Nelnet XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} {$27.00} XXXX Deptednelnet XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00} Current 1. Unauthorized Sale or Transfer of Accounts : These accounts appear to have been sold, transferred, or reassigned without my consent or authorization. I never received proper notice or documentation showing any lawful transfer or servicing rights. This violates FCRA 609 ( a ) ( 1 ) ( A ) and 623 ( a ).

2. Dual Reporting and Ownership Conflicts : Both XXXXNelnet and Deptednelnet are shown as controlling similar accounts, which is factually impossible. This violates FCRA 607 ( b ) ( accuracy ) and 623 ( a ) ( 2 ) ( duty to correct ).

3. Failure to Provide Verification or Documentation : I have made multiple written requests to the furnishers ( XXXXNelnet and Deptednelnet ) and to XXXX XXXX XXXX XXXX  for copies of the original Master Promissory Note and a complete chain of custody proving ownership or transfer of the alleged student loan debts. Despite claims of verification, no party has provided any authenticated or original documents. The absence of the original signed contract or proof of lawful transfer renders the reporting and verification of these accounts a direct violation of FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and constitutes negligent or willful noncompliance under 616 and 617.

4. Graham Leech Blythe Act : In addition to the FCRA violations, the failure to provide original Master Promissory Note and chain of custody may also constitute a breach under the Graham Leech Blythe Act, further supporting my request for immediate deletion of all inaccurate, duplicative, and unauthorized accounts.

5. Inaccurate and Conflicting Reporting : Reported balances, past due amounts, and dates vary, showing unreliable data that violates FCRA 607 ( b ).

6. Ongoing Harm : These inaccuracies have caused credit denials, financial harm, emotional distress, and reputational damage. 
Requested Resolution I request that the CFPB investigate and compel : Immediate deletion of all XXXXNelnet and Deptednelnet accounts from my credit reports with XXXX XXXX XXXX XXXX ; Each credit reporting agency to cease reporting unverifiable and unauthorized information ; Written confirmation of deletion and corrective action ; Enforcement measures against furnishers and CRAs continuing to report false data.

Their continued reporting of unverifiable accounts constitutes willful noncompliance under FCRA 616 and 617, subject to penalties and damages.

Company response to consumer: Closed with explanation