Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXX XXXX Date : XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Nelnet Data Breach and Request for Student Loan Debt Removal from Credit Report To Whom It May Concern, I am writing to file a formal complaint against Nelnet Servicing due to its XXXX data breach that compromised the personal and financial information of millions of borrowers, including myself. I request the removal of the associated student loan debt from my credit report based on this breach and the associated legal violations under federal law. 
Background : In XXXX, Nelnet disclosed a major data breach involving unauthorized access to its systems, which exposed the sensitive data of over XXXX XXXX student loan borrowers. This data included names, Social Security numbers, email addresses, phone numbers, and account information. I received a breach notification confirming that my information was involved. 
This breach constitutes a failure to safeguard sensitive consumer data, in direct violation of the Gramm-Leach-Bliley Act ( GLBA ) and its Safeguards Rule ( 16 CFR Part 314 ). Nelnet, as a financial institution, had a legal obligation to implement adequate measures to protect consumer information. Their failure to do so is also relevant under the Fair Credit Reporting Act ( FCRA ), particularly regarding the accuracy and integrity of information furnished to credit bureaus. 
Legal Basis for Request : Under 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ), I am entitled to request that information resulting from fraud or identity theft be blocked or removed from consumer credit reports. Since Nelnets breach makes it impossible to verify the integrity and validity of this debt, and I can not confirm that it has not been altered, compromised, or misused, it should be removed. 
Furthermore, I believe Nelnet violated their legal duties under : Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) requiring secure handling of consumer information, FCRA ( 15 U.S.C. 1681s-2 ) requiring accurate reporting and investigation of disputed information.

My Request : I respectfully request the following actions from the CFPB : 1. Immediate removal or blocking of the student loan debt serviced by Nelnet from all credit reporting agencies due to the breach and inability to confirm its accuracy.

2. A formal investigation into Nelnets compliance with federal data protection requirements under the GLBA and FCRA.

3. Enforcement of any penalties deemed appropriate for Nelnets failure to secure borrower data.

Nelnets negligence has placed my financial security at risk. It is unjust for this debt to remain on my credit report when the loan servicer failed to meet its legal responsibilities to protect my private information. I am asking the CFPB to act in defense of consumer rights and ensure I am not further harmed.

Thank you for your attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation