Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Detecting Fraud : There has been illegal or fraudulent activities on my credit report, and the associated information has been there for more than 10 years. The so called Nelnet accounts has been splitting into segments, which can not be my account. I have taken steps to remove or dispute these fraudulent accounts. There is a limitation for negative information is 7 years.However, I believe the activity on my account involvesidentity theftorfraudulent applications, and activities been more than 15 years.

The name XXXX account can not not be my account either because this account name has been on my credit report for more than 15 years, and all of a sudden this new name pop up on my credit report. There has been illegal or fraudulent activities on my credit report, and the associated information has been there for more than 15 years. 
There has been unauthorized account openings, such as Nelnet, and other names, can be detected through a series of placing a fraud alert, disputing inaccuracies, and a new company names on my reports, and I have dispute this information with the credit bureaus. I reported these new companies committing a fraudulent act. I have to the appropriate authorities. According to the law a new company can not open up an old account that has been on the credit report more than 10 years, or more then use the same account, or account number as if your student loan is new, then add interest to your student loan account. 
Nelnet has done something even more they split the account in three different accounts using the same name on each, and adding interest to each to use against my account. They have done this to lower my credit scores. This account had other names before Nelnet. I never approved these companies to use my private information. 
I have constantly denied these new companies that has violated the law, and is put negative information on my account. They have violated the law by illegally and purposely lowering my credit scores. This too is a violation of the law and I want my student loan account wiped clean, and for my credit scores to be put back XXXX points or more to where my credit account was or should have been. 
I never gave any of these fraudulent companies to use my private information or sell my student loans to another company. I was not contacted and I would never approve. 

I want XXXX, and XXXX XXXX to be made aware of the fraudulent activities they participated in. 

XXXX XXXX The FTC published a notice of proposed rulemaking ( NPRM ), 88 FR 77420 ( XXXXXXXX XXXX XXXX  ), entitled Rule on Unfair or Deceptive Fees, in the Federal Register, proposing to add part 464 to 16 CFR, to prohibit unfair or deceptive practices relating to fees for goods or services, specifically, misrepresenting the total costs of goods and services by omitting mandatory fees from advertised prices and misrepresenting the nature and purpose of fees.

Company response to consumer: Closed with explanation