Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Subject : Deceptive and Inaccurate Reporting, from Nelnet Servicing , LLC Credit Report reporting on reporting six times on XXXX, XXXX, AND XXXX CREDIT REPORT 1692G,1692B. Please provide the purchase agreement, if any, for this alleged account. Please understand I deny any and all. I am not asking for proof of just name or address because that is not what is in question, and in keeping in compliance with G.A.P.P., provide the info requested because it violates 5 USC 552a. NELNET SERVICING , LLC is in direct violation of USC 1692e. 

Account # XXXX XXXX  : Deceptive and Inaccurate Reporting, from Nelnet Servicing , LLC Credit Report reporting on reporting six times on XXXX, XXXX, AND XXXX CREDIT REPORT 1692G,1692B, please provide the purchase agreement, if any, for this alleged account. Please understand I deny any and all. I am not asking for proof of just name or address because that is not what is in question, and in keeping in compliance with G.A.P.P., provide the info requested because it violates 5 USC 552a. NELNET SERVICING , LLC is in direct violation USC 1692e. False or misleading representations : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt Please also keep in mind as you use the state statutory laws Federal statutory law, enacted pursuant to constitutional authority.

Please provide confirmation of this info with the company received from the alleged original party for this account ; your help will be appreciated in assisting me.

Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days, Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A ). This letter of dispute is to address concerns about legal liability for financial information and associated materials ; this includes anyone asking you for your Social as they must indicate what it is being used for and how it is used ; NELNET SERVICING , LLC never received permission from XXXX XXXX XXXX to use the number associated with any such accounts associated or attached and as stated in PRIVACY ACT ( 5 U.S.C. 552a ) Anyone can request to see or get copies of any personal information that we have in your file. Any personal information in your file that is retrieved by individual identifiers, such as name or social security number, is protected by the Privacy Act 1974, which means requests for information about you may be denied unless we have your written permission to release the information to the requestor or unless the information is subject to disclosure under the Freedom of Information Act. How and for what purpose did you receive a Social Security number from XXXX XXXX XXXX? BANKRUPTCY / REPOSSESSION 40 U.S. Code 3133 - Rights of persons furnishing labor or material The first way to establish a permissible purpose is in writing and in accordance with the written instructions of the consumer to whom it relates. NELNET SERVICING , LLC has violated the act all violations must be cleared and satisfied as per court action. A person having a direct contractual relationship with a subcontractor.A person having a direct contractual relationship with a subcontractor but no contractual relationship, express or implied, with the contractor furnishing the payment bond may bring a civil action on the payment bond on giving written notice to the contractor within 90 days from the date on which the person did or performed the last of the labor or furnished or supplied the last of the material for which the claim is made this letter is requesting an investigation and validation period, and these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. COLLECTIONS /MEDICAL When a collection agency purchases a debt, they can not re-age the account to restart the clock ; if this is not a practice used by NELNET SERVICING , LLC , then disclose all records tangible items, including emails, reports, and data, as well as answers to written questions and oral testimony to the contrary Since Federal laws override state statuary and 3rd party violations have occurred that means 18 U.S. Code 371 - Conspiracy to commit offense or to defraud United States has also been activated because of previous or prior insurance agreements in place and not disclosed and that also relates and brings up 18 U.S. Code 1001.After this account was placed in collections, did the alleged original creditor sell the debt or did it assign the debt, and how would it be known, If the correct validation is not attached just a statement with a debt collectors and an alleged creditors letterhead attached, proof is needed. CLOSED Does NELNET SERVICING , LLC follow GAAP, generally accepted accounting principles? yes, or no? Did you or the company you are collecting for give full disclosure when the funding for this alleged loan was created regarding bookkeeping entries? Yes, or no? Did either the original creditor or the debt collector record a new asset showing the consumer owes money to either parties? yes or no. 5. Is it true according to the agreement did the original creditor or the debt collector deny equal protection under the loan agreement? yes or no 6.. Is it true that the original creditor or debt collector violated GAAP, generally accepted accounting principles, in turn making the agreement null and void? Yes or no, all of the answers fall under real law guidelines such as, Penhallow v. DoanesAdministrators defined government succinctly. Governments are corporations ''. In as much as every government is an artificial person, an abstraction, a creature of the mind only, a government can deal only with artificial persons. Persons are not the subjects of commerce, and not being imported goods, they do not fall within the meaning founded upon the constitution, of a power given to congress, to regulate commerce, and the prohibition of the states for imposing a duty on imported goods. CREDIT CARDS/LOANS/ BK / ( 5 U.S.C. 552a ) Anyone can request to see or get copies of any personal information that we have in your file. Any personal information in your file that is retrieved by individual identifiers, such as name or social security number is protected by the Privacy Act, which means requests for information about you may be denied unless we have your written permission to release the information to the requestor or unless the information is subject to disclosure under the Freedom of Information Act. How and for what purpose did you receive a Social Security number of XXXX XXXX XXXX? 

RESPECTFULLY, /s/ : XXXX : XXXX cc : XXXX, XXXX XXXX. Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX XXXX, XXXX, and XXXX responses are to be in written communication only. OBLIGATIONS OF ALL USERS OF CONSUMER REPORTS A. Users Must Have a Permissible Purpose Congress has limited the use of consumer reports to protect consumers ' privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ) As instructed by the consumer in writing. Section 604 ( a ) ( 2 ) For the extension of credit as a result of an application from a consumer or the review or collection of a consumer 's account. Section 604 ( a ) ( 3 ) ( A ) For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) For the underwriting of insurance as a result of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ) When there is a legitimate business need in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( i ) To review a consumer 's account to determine whether the consumer continues to meet the terms of the account. Section 604 ( a ) ( 3 ) ( F ) ( ii ) To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ) For use by a potential investor or servicer or current insurer in a valuation or assessment of the credit or prepayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E )

Company response to consumer: Closed with explanation