Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I am submitting this rebuttal in response to the companys explanation and the documents they provided in XXXX, XXXX .. pdf, which include disbursement details, payment histories, deferment records, and forbearance logs tied to Account XXXX. After reviewing every page of the file, I must assert again that I do not own this account, I did not authorize these loans, I did not receive or benefit from these funds, and none of the records provided demonstrate that I was the one who initiated or controlled this debt. Because of this, I filed an official FTC Identity Theft Report, and under federal law, the company was required to block or remove the information unless they could prove with verifiable, original documentation that the loans belong to me. They have not met this burden. 

Additionally, by continuing to report derogatory information connected to these disputed loans, the company took or threatened to take negative or legal action against me, because they furnished information that negatively affects my creditworthiness without valid proof that I am responsible for the debt. 

XXXX. The PDF Provided Does Not Establish That I Own the Loans The documents contained in XXXX, XXXX .. pdf include : Detailed disbursement sheets for multiple loans allegedly made between XXXX and XXXX Payment histories showing small payments, interest capitalizations, deferments, and forbearances An Account Summary dated XX/XX/XXXX, showing minimum payment amounts and outstanding balances However, none of the following are included : A signed loan application A promissory note bearing verified identity credentials Identity-matching documentation from origination IP logs, completion timestamps, or device authentication Any evidence showing that I personally received or used the loan funds Instead, the PDF contains general servicing records, which only prove that someone interacted with the account over the yearsnot that it was me. Identity thieves often create accounts using stolen personal information, and servicing documents do not prove borrower identity. 

Therefore, the documents fail to prove ownership. 

XXXX. The Disbursement Records Do Not Prove That I Received or Accepted Any Funds The files show loan disbursements to XXXX XXXX, XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX dating from XXXX to XXXX. 

These records demonstrate only that : Someone received educational funds under the name tied to the account Funds were disbursed directly to schools Loan amounts increased over time None of this demonstrates that : I enrolled in these institutions I approved or authorized any loan I received a refund from the schools I knew of or participated in the financial transactions Disbursement logs do not establish borrower identity. They only show activity on an account, not who created it.

3. The Forbearance, Deferment, and Hardship Entries in the PDF Suggest Fraudulent or Unauthorized Activity Throughout the PDF, there are dozens of transactions showing : Forbearance periods Deferments IBR recertifications REPAYE exits and entries Hardship filings I did not initiate any of these actions.

These patterns are consistent with identity misuse, where : Payments are not made Accounts repeatedly go into deferment or forbearance Fraudulent users attempt to avoid repayment Activity occurs without the knowledge of the identity theft victim Not a single servicing entry indicates contact from me, communication logs, or borrower verification.

This supports my position that I do not own the loans.

4. None of the Payment Histories Show Any Payment Connected to Me The PDF includes numerous tiny payments ( e.g., {$0.00}, {$1.00}, {$6.00} ) that were applied to different loans.

These payments : Do not come from any account belonging to me Do not match my payment patterns, history, or financial behavior Could have been made by schools, fraudulent users, automatic system corrections, or financial aid offices Small automatic or administrative payments are extremely common in fraud cases and do not demonstrate borrower ownership.

These payment histories do not verify the identity of the borrower.

5. The Consolidation Records Raise Serious Red Flags The PDF contains a Direct Consolidation Loan application under the name XXXX XXXX with an address and reference contacts. 

However : Fraudulent consolidation applications are one of the most common forms of student aid identity theft.

Identity thieves frequently consolidate existing fraudulent loans to delay repayment or restructure accounts. 

The presence of an application does not prove that I personally completed or submitted it. 
There is no verification record showing authenticationonly a data printout.

This is not proof of ownership.

6. The Account Summary Does Not Prove Borrower Identity The Account Summary section in the PDF lists : Minimum monthly payment : {$300.00} Outstanding balance : over {$40000.00} Account Number : XXXX This is a snapshot of a loan balance, not evidence of who owns the account. 

Servicing summaries can be generated for any account in the system and do not prove that I authorized or benefited from the debt.

7. I Filed an FTC Identity Theft Report Because I Do Not Own These Loans Because these records do not reflect any financial activity attributable to me, I filed an FTC Identity Theft Report to document that : These loans do not belong to me I did not authorize them I did not know about the servicing or repayment history The activity in the PDF appears fraudulent Under FCRA 605B, the company was legally required to : Block the information Stop furnishing negative information Validate ownership with original documentation They failed to comply.

8. The Company Took or Threatened to Take Negative or Legal Action Against Me By continuing to report : Delinquencies Negative payment histories High outstanding balances Consolidations Forbearances despite the identity theft report and lack of verification, the company took or threatened to take negative or legal action against me.

False reporting of default or delinquency implies : Legal responsibility for a federal debt Potential collections Treasury offsets Wage garnishment risk Loss of federal benefits This is harmful, coercive, and unlawful when the account is not verified.

9. Requested Action Given that : The PDF doe
s not prove ownership I filed an FTC Identity Theft Report The reporting is inaccurate The company threatened negative or legal action through false reporting I request : 1. Full deletion of all accounts associated with XXXX XXXX. XXXX removal of all negative, derogatory, or delinquent reporting 3. Written confirmation that the company will not reinsert the disputed information 4. Cessation of all collection or enforcement activity 5. Full compliance with identity theft protections under the FCRA

Company response to consumer: Closed with explanation