Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Companies Involved : XXXX  Nelnet U.S. Department of Education Accounts/References : DEPT OF ED / Nelnet Account ending : # XXXXXXXX XXXX XXXX Additional internal account numbers appearing before deletion : XXXX XXXX XXXX XXXX Complaint Summary I am submitting this complaint to report ongoing, unlawful credit reporting, reinsertion, and harassment by XXXX  and Nelnet related to alleged Department of Education accounts that were previously disputed, investigated, and removed earlier this year due to lack of validation and authorization. 

Despite prior removals in XXXX, these entities have reinserted the same alleged debt under new account numbers and reporting dates, now falsely reflecting 10 missed payments per account, without authorization, verification, or legal basis. This conduct is willful, misleading, and directly harmful, and violates multiple federal statutes.

This notice is not a duplicate of prior disputes.

It is based on ongoing and newly discovered violations, including : - Illegal reinsertion after prior deletion- Reporting fabricated missed payments - Unauthorized disclosure of non-public information - Continued furnishing without consent or validation These actions violate : - 15 U.S.C. 1681 ( FCRA ) - FCRA 605B - FERPA - 15 U.S.C. 6802 ( GLBA ) Key Violations & Legal Grounds 1. Unauthorized Disclosure & FERPA Violations My
personal and educational records were accessed and disclosed without my authorization, in violation of the Family Educational Rights and Privacy Act ( FERPA ). The Department of Education and Nelnet failed in their duty to safeguard my student data and permitted unauthorized third-party access.

This breach voids any claim of lawful reporting based on those records.

2. Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Under 15 U.S.C. 6802, a financial institution may not disclose non-public personal information to third parties without consumer consent.

I did not authorize Nelnet, the Department of Education, or XXXX  to : Share my non-public financial information Furnish or re-furnish data to credit bureaus Communicate with me regarding these alleged accounts 3. FCRA Violations 15 U.S.C. 1681 et seq.

a. Inaccurate & Misleading Reporting ( 15 U.S.C. 1681e ( b ) ; 623 ( a ) ( 1 ) ( A ) ) Reporting multiple missed payments on accounts that were previously deleted for lack of validation is materially misleading and inaccurate.

You can not re-age, reinsert, or transform a non-validated obligation into installment delinquencies without lawful verification.

b. Identity Theft / Unauthorized Information FCRA 605B Under FCRA 605B, credit reporting agencies must block reporting of information resulting from identity theft or unauthorized access.

I disputed these accounts as unauthorized and arising from compromised personal information. XXXX  failed to permanently block the data and instead allowed reinsertion.

c. Illegal Reinsertion Without Notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Accounts previously deleted may not be reinserted unless : The furnisher certifies accuracy The CRA provides written notice within 5 business days Neither occurred.

4. No Contract, No Consent, No Wet Signature Nelnet and the Department of Education can not produce an original wet signature or valid authorization permitting : Credit reporting Third-party disclosure Collection or communication Absent authorization, the reporting is unlawful.

5. Harassment & Unlawful Collection Activity Repeatedly re-reporting the same alleged debt under new numbers and datesafter deletionconstitutes harassment and abusive practices, especially where no enforceable obligation exists.

I hereby revoke and deny any consent for further contact.

6. Demonstrable Harm This unlawful reporting has : Suppressed my credit score Prevented me from obtaining housing Caused financial and emotional distress The harm is ongoing and directly attributable to XXXX and Nelnets conduct.

Cease and Desist Formal Notice I demand that XXXX, Nelnet, and any affiliated party : 1. Immediately cease all communication with me regarding these alleged accounts 2. Permanently delete and suppress all references to : DEPT OF ED / Nelnet Account # XXXXXXXX XXXX XXXX XXXX XXXX  Any successor, re-aged, or substituted account numbers 3. Prohibit future reinsertion under any account number or reporting date 4. Provide written confirmation that : The accounts are invalid They will never be reported again Requested CFPB Action I respectfully request that the CFPB : Enforce compliance with FCRA, FERPA, and 15 U.S.C. 6802 Require permanent suppression of this account across all credit bureaus Investigate XXXX  and Nelnet for willful reinsertion and inaccurate reporting Ensure I never have to dispute this same invalid account again under any variation Final Statement These entities were already unable to validate this alleged debt, which resulted in removal earlier this year. Their attempt to resurrect it under new numbers and fabricate delinquency history is unlawful.

This conduct must stop permanently.

Company response to consumer: Closed with explanation