Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: DE

Complaint narrative:
U.S. Department of Education\nFederal Student AidXXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX To Whom It May Concern : RE : Formal Dispute of Student Loan Request for Review, Validation, and Discharge I am writing to formally dispute the validity and enforceability of the federal student loan ( XXXX ) associated with my name and Social Security Number, under the authority of the Higher Education Act ( HEA ) of 1965, Fair Credit Reporting Act ( FCRA ), and Truth in Lending Act ( TILA ). I respectfully request a comprehensive investigation, verification, and validation of the origin, accounting, and legality of the aforementioned loans. Until such time, I request a hold on any collections, wage garnishment, or reporting to credit bureaus. 
Furthermore, in light of recent legal and administrative developments, including proposed executive actions to restructure the U.S. Department of Education and shift student loan servicing and oversight to other federal agencies such as the Small Business Administration, I seek immediate clarification of how such structural changes may impact the legitimacy and continuity of any outstanding obligations. 
Legal Basis for Dispute Higher Education Act of 1965 ( 20 U.S.C. 1087e ) : \nUnder this act, federal student loans must comply with very specific disclosure, servicing, and borrower protection requirements. I request copies of all signed master promissory notes ( MPNs ), disbursement records, and evidence of compliance with disclosure requirements. 
Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) : \nAny entity involved in extending credit or collecting payments must provide clear, timely, and transparent information about terms, interest rates, and repayment options. I dispute whether such disclosures were provided or understood at the time of origination. 
Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : \nIf this loan is being reported to credit bureaus, you are required to ensure that all information is accurate, verifiable, and complete. Inaccurate reporting constitutes a violation of my rights and may result in legal penalties. 
Administrative Procedure Act ( 5 U.S.C. 551559 ) : \nAny major change in agency structure, authority, or regulation ( such as dismantling the Department of Education or transferring loan oversight ) must be governed by due process and public rulemaking. Until such clarity is established, enforcement of loan obligations may be legally premature. 
Borrower Defense to Repayment ( 34 CFR 685.206 ) : \nIf the school or lender engaged in deceptive or unlawful practices, I reserve the right to pursue a full discharge under this program. I request a review of whether my educational institution is under investigation or has been involved in any such misconduct. 
Request for Action Provide full validation and accounting of the loan ( s ), including : Original loan agreements and disbursement records Payment history Interest and fee breakdown Place the loan in forbearance or administrative hold during the investigation Cease any collection or wage garnishment efforts Refrain from reporting negative information to credit bureaus Clarify any upcoming changes in loan servicing authority related to agency restructuring If this matter is not resolved within 30 days, I reserve the right to escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and/or pursue remedies through legal channels. 
Thank you for your prompt attention to this matter. I expect written confirmation of receipt and a full response in compliance with federal consumer laws. 
Sincerely, XXXX XXXXSSN : XXXX [ Last 4 digits ] XXXXnLoan Account XXXX XXXX ( Nelnet )

Company response to consumer: Closed with explanation