Consumer complaint received 2025-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Date : XX/XX/year> Department of Education / Nelnet Servicing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Formal Dispute and Demand for Deletion Account Ending [ XXXX ] To Whom It May Concern, This letter is my formal dispute and demand for validation regarding the student loan account you are furnishing to the credit bureaus. According to my XXXX  credit file dated XX/XX/year>, you have reported this account with a balance of {$88000.00}, a past due balance of {$2200.00}, and a XXXX late payment notation in XX/XX/year>. 

1. Skipped Delinquency Sequence XXXX XXXX Violation You reported this account as 90 days late in XX/XX/year>, yet there is no record of 30-day or 60-day delinquencies in the preceding months. Under XXXX XXXX standards and the FCRAs duty of accuracy ( 15 U.S.C. 1681s-2 ( a ) ), delinquency reporting must progress in sequence. A jump from current to 90 days late is factually impossible and constitutes inaccurate, misleading, and unverifiable reporting. 

2. Lack of Required Notice I was not provided any written notice that deferment or forbearance had ended and repayment resumed. Servicers are legally required to provide such notice. Reporting me late without this compliance renders your reporting invalid. 

3. Demand for Validation and Proof of Ownership You must prove that you are the lawful holder in due course of the promissory note and possess servicing rights to this account. Until you provide : - A copy of the original signed promissory note ( or a complete, legally valid chain of assignment ), - A full repayment history showing how the alleged delinquency was calculated, and - Documentation of the notices allegedly sent, you have no basis to report this account. 

4. Data Integrity & Privacy Concerns I demand disclosure of whether my personal information has been accessed, disclosed, or compromised by any outside contractors ( including XXXX  ) or third-party vendors. If my private data has been mishandled, all reporting tied to it is suspect and must be withdrawn. 

5. Inability to Furnish Accurate Data Because you already violated reporting standards ( skipping delinquency stages ), I have lost confidence in your ability to furnish accurate information. Continuing to report this account poses an ongoing risk of misleading future lenders and damaging my financial position. 

6. Resolution Demanded Based on the violations outlined above, I demand : 1. Immediate deletion of this account from all consumer reporting agencies.

2. Written confirmation that you will cease all future reporting on this account.

3. Proof of ownership and full validation of the alleged debt if you intend to continue asserting it. 

This is not a refusal to pay ; it is a demand for lawful validation and accuracy. Unless you can fully validate this account with the required documentation, you must delete it from my credit reports. 

7. Escalation If you fail to comply, I will escalate immediately by : - Filing formal complaints with the Consumer Financial Protection Bureau and the Department of Education Ombudsman. 
- Pursuing civil remedies under the FCRA, federal privacy statutes, and applicable case law. 
- Demanding statutory and actual damages for willful and negligent violations. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation