Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Cease and desist letter for defamation and harassment XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX Dept of Ed/Nelnet XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Subject : Demand to Cease and Desist Defamation and Harassment Dear Dept of Ed/ Nelnet The purpose of this letter is to demand that the recipient ( Dept of Ed/Nelnet ) immediately stop all defamatory and harassing conduct directed toward XXXX XXXX. This letter serves as formal notice that these actions are illegal and will not be tolerated. 
Defamation The defamatory statements are inaccurate and have caused harm to XXXX XXXX 's reputation. 
Dept Ed/Nelnet has negatively reported for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, to XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX and without proof of written consent of signature it has become an illegal act and thereon must delete all negative reports immediately from all credit boroughs. 15 U.S. code 1618 b ( 2 ). The recipient ( Dept Ed/Nelnet ) stated that there is past due payments due for XXXX  days which is false and inaccurate with no original documents attached with statutory time limitations. Ive not ever had an account with Nelnet and dont owe them debt amount. 
XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Dept Ed/ Nelnet XXXX, The recipient inaccuracy claimed an amount of XXXX on this credit report which is false and inaccurate XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX  , Dept Ed/ Nelnet XXXX, The recipient inaccuracy claimed an amount of XXXX report which is false and inaccurate These statements are untrue and have caused XXXX XXXX to lose her credit with XXXX XXXX and lose her credit of XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX good standing for more then XXXX years with these companys! ( Dept Ed/ Nelnet ) is reporting negative bad credit reports to Transunion , 15 U.S. code 1618 b ( 2 ) causing " damage to XXXX XXXX professional reputation, " emotional distress, '' " financial loss ''. 
Harassment The persistent and unwelcome harassment has created a hostile environment and caused significant distress. Harassing conduct includes : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX reporting negative inaccurate false information to XXXX XXXX XXXX XXXX XXXX, : The recipient ( Dept of Ed/Nelnet ) engaged in specific harassing actions, e.g., " sending repeated threatening text messages to XXXX, " making unwanted phone calls to XXXX. 
XX/XX/XXXX, Dept Ed, Nelnet negatively reported to world wide web, internet, phone, email, credit agencys, ruining XXXX XXXX good credit with XXXXXXXX XXXX due to inaccurate information. Requesting for all and future or any other charges regarding DEPT ED NELNET to be removed forever, and also from XXXX XXXX Credit Report immediately : Demands The following actions are demanded immediately : XXXX. Cease and Desist : Immediately stop all defamatory and harassing communications and actions, both direct and indirect. 
XXXX. Retract/Remove Defamation : Within XXXX XXXX XXXX XXXX  days of receiving this letter, publicly retract all inaccurate statements made on any public forum. Also, remove any and all online posts or other content that contain these defamatory statements. 
XXXX. Provide Assurance : Send written confirmation within XXXX XXXX XXXX XXXX  days stating that these demands have been met and that the recipient will not engage in any similar conduct in the future. 
Consequences of Non-Compliance Failure to comply with this cease and desist demand within the specified time will result in pursuit of all available legal remedies. This includes, but is not limited to : Filing a lawsuit seeking monetary damages for the harm caused. 
Seeking a temporary restraining order or permanent injunction to legally compel the recipient to stop. Requesting court costs and attorney 's fees incurred as a result of the actions. 
This letter is a final attempt to resolve this matter without involving the courts. It is hoped that the recipient ( Dept Ed/Nelnet ), will choose to resolve this amicably and promptly. 
Sincerely without prejudice, XXXX XXXX

Company response to consumer: Closed with explanation