Consumer complaint received 2025-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
To whom it may concern : I am writing to file a complaint in regards to Treasury Department and the Office of Personnel Management accessing my PII, or Personally Identifiable Information, and/or SPII, Sensitive Personally Identifiable Information. As per the Handbook for Safeguarding Sensitive PII : " In its mission to secure the Homeland, the Department of Homeland Security ( DHS ) collects personal information, also known as Personally Identifiable Information ( PII ), from U.S. citizens, Lawful Permanent Residents ( LPR ), visitors to the U.S., and employees or contractors to the Department. As an employee, contractor, appointee, detailee, intern, or consultant ( hereafter referred to as DHS staff ), you are obligated by law and by DHS policy to protect PII to prevent identity theft or other adverse consequences, such as a privacy incident, compromise, or misuse of data. '' I am concerned that my information will be not only compromised, copied for malicious use, and altered. The origination dates for my loans were already changed when they were sold to a different servicers over different years. I have lost status when a servicers I was transferred to without my control or consent lost federal accreditation status is what I was told. I am tired of people accessing my loans and changing things without my consent, my permission, and then expecting to just accept it and just keep paying what they tell me to and how they tell me too. I always have to deal with the fall out. Why do we have the Bureau of Consumer Financial Protection. Why do we have thy Fair credit reporting act? I have including the following : FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. [ 12 ] FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. [ 13 ] Also section Section 604 ( a ) ( 3 ) states : XXXX XXXX interprets the permissible purposes in FCRA section 604 ( a ) ( 3 ) to apply only with respect to the consumer who is the subject of the user 's request.

XXXX XXXX XXXX interpretation is based on the plain language of FCRA section 604 ( a ) ( 3 ) itself, which makes clear that whether a user has a permissible purpose under that section is analyzed on a consumer-by-consumer basis. For example, FCRA section 604 ( a ) ( 3 ) ( A ) permits a consumer reporting company to provide a consumer report to a person which it has reason to believe... intends to use the information in connection with a credit transaction involving the consumeron whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. [ 19 ] Similarly, FCRA section 604 ( a ) ( 3 ) ( F ) permits a consumer reporting company to provide a consumer report to a person which it has reason to believe... has a legitimate business need for the information... in connection with a business transaction that is initiated by the consumer or to review an account to determine whether the consumer continues to meet the terms of the account. [ 20 ] Thank you, XXXX XXXX

Company response to consumer: Closed with explanation