Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: OH

Complaint narrative:
VERIFIED DISCREPANCIES & FRAUD INDICATORS 1. Payment History Contradiction Whats being reported : Credit factors show Payment History = 100 % / Excellent Then it suddenly drops to Fair Needs Work Score drops XXXX points, then another XXXX points Why this is a discrepancy : A profile can not be 100 % on-time while simultaneously being penalized for 90-day late payments This is internally inconsistent reporting, which violates accuracy requirements under the FCRA Violation : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 2. 90 Days Late While Accounts Were Deferred Whats reported : DEPT OF ED account changed from Current 90 Days Late Yet these loans were in deferment and recently opened No billing history supports a 90-day delinquency window Why this is impossible : A deferred federal student loan can not legally age into delinquency You can not be 90 days late without : A payment due A missed billing cycle Proper notice Violations : FCRA 1681s-2 ( a ) Furnishing false delinquency data Higher Education Act ( 20 U.S.C. 1087e ) Federal loans in deferment can not be reported delinquent CFPB furnishing accuracy rules 3. Conflicting Balances for the Same Creditor Whats reported : DEPT OF ED shows : {$1800.00} account {$3200.00} account Both opened XX/XX/XXXX Both reported as delinquent simultaneously Why this is a red flag : Same creditor Same open date Different balances No validated loan agreements This is classic duplicate tradeline / split reporting, common in identity-theft cases. 



Violation : 15 U.S.C. 1681c ( a ) ( 4 ) Inaccurate and unverifiable account information 4. Delinquency Reported Before You Discovered the Accounts Your FTC Identity Theft Report confirms : Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX You did not authorize these loans You disputed immediately upon discovery This means : You were penalized for accounts you did not know existed This triggers mandatory blocking, not reinvestigation Violation : 15 U.S.C. 1681c-2 ( FCRA 605B ) Failure to block identity-theft accounts ( FTC Report # XXXX confirms fraud ) 5. FERPA & Privacy Violations Federal student loans require protected educational records. 



You : Did not authorize access Did not consent to disclosure Were affected by documented data breaches XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : FERPA ( 20 U.S.C. 1232g ) Unauthorized access and disclosure of education records 6. UCC Violations ( No Contract = No Debt ) There is : No wet signature No promissory note validation No proof of obligation Violations : UCC 3-401 No liability without authenticated signature UCC 3-104 No negotiable instrument produced FORMAL DISPUTE LETTER ( READY TO SEND ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : [ XX/XX/XXXX ] Via Certified Mail XXXX XXXX XXXX XXXX XXXX RE : Formal Dispute , Identity Theft, Inaccurate Reporting, Demand for Deletion or Monetary Damages To Whom It May Concern, I am writing to formally dispute inaccurate and fraudulent information being reported on my consumer credit file. This dispute is supported by my FTC Identity Theft Report ( Report # XXXX ), which legally triggers mandatory protections under federal law. 

The DEPARTMENT OF EDUCATION accounts reported on my file are unauthorized, fraudulent, and inaccurately furnished. These accounts were reported as 90 Days Late despite : The accounts being in deferment No payment obligation existing No billing history supporting delinquency Conflicting balances ( {$1800.00} and {$3200.00} ) for the same creditor with the same open date My payment history simultaneously being reported as 100 % on-time This contradictory reporting constitutes a failure to ensure maximum possible accuracy in violation of 15 U.S.C. 1681e ( b ) and improper furnishing under 15 U.S.C. 1681s-2 ( a ).

Additionally, under 15 U.S.C. 1681c-2 ( FCRA 605B ), you are required to IMMEDIATELY BLOCK all identity-theft related accounts upon receipt of a valid FTC Identity Theft Report. Reinvestigation is not optional. 

Further, the reporting and disclosure of alleged federal student loan data without my authorization violates FERPA ( 20 U.S.C. 1232g ), as well as UCC 3-401 and 3-104, as no valid contractual obligation exists.

Due to these violations, my credit score has suffered documented harm, including a loss exceeding XXXX  points, resulting in financial damages, loss of credit opportunities, and emotional distress. 

Unauthorized Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX BANK ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX CARD ( Bank ) XX/XX/XXXX DEMAND I hereby demand : Immediate deletion and blocking of all DEPT OF ED accounts Written confirmation of deletion Correction of all payment-history damage If deletion is completed immediately, I am willing to waive monetary damages. 
If not, I will pursue statutory damages, actual damages, and punitive damages as allowed under 15 U.S.C. 1681n and 1681o.

This letter serves as formal notice. Failure to comply will result in escalation to the CFPB, State Attorney General, and federal court. 

Sincerely, XXXX XXXX UCC-1-308 without prejudice

Company response to consumer: Closed with explanation