Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelnet, Inc.
State: WI

Complaint narrative:
Demand for Chain of Assignment and Account-Level Documentation Under FCRA DEPTEDNELNET Dear Sir or Madam, I am writing to formally request the chain of assignment and all account-level documentation pertaining to the above-referenced accounts, which DEPTEDNELNET is currently reporting on my credit file with a combined balance of {$88000.00}, marked as past due. This demand is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically XXXX U.S.C. XXXXi ( a ) and XXXXg ( a ) ( 1 ), which require furnishers of information to provide consumers with supporting documentation upon request, especially when the accuracy of such reporting is in dispute. 

The FCRA imposes a strict duty on furnishers like DEPTEDNELNET to ensure that all information reported to consumer reporting agencies ( CRAs ) is accurate and verifiable. See XXXX U.S.C. XXXX ( b ) ; see also XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXXXXXX ) ( holding that furnishers must investigate and verify the accuracy of reported information when notified of a dispute ). 

Under XXXX U.S.C. XXXXg ( a ) ( 1 ), I am entitled to " all information in the consumers file, '' including the sources of such information, which encompasses the chain of assignment and account-level documentation demonstrating DEPTEDNELNETs legal authority to collect and report these alleged debts. 

To : DEPTEDNELNET Accounts Referenced : XXXX * * Balance : {$2600.00} XXXX * * * * Balance : {$3700.00} XXXX * * * * Balance : {$1100.00} XXXX * * * * Balance : {$25000.00} XXXX * * * * Balance : {$24000.00} XXXX * * * * Balance : {$3900.00} XXXX * * * * Balance : {$2600.00} XXXX * * * * Balance : {$5000.00} XXXX * * * * Balance : {$6000.00} XXXX * * * * Balance : {$2500.00} XXXX * * * * Balance : {$6700.00} XXXX * * * * Balance : {$3800.00} Total Combined Balance : {$88000.00} To Date, You Have Not Provided : The full chain of assignment from the original creditor to DEPTEDNELNET ; The original account agreements bearing my signature ; A complete payment history including all charges, credits, interest, and fees ; Copies of notices of assignment as required by law. 

Without these documents, I can not verify that DEPTEDNELNET has the legal authority to report or collect on these accounts, or determine whether the information reported is accurate, complete, and verifiable under the FCRA. 

Demand for Documentation Within 30 days of receiving this letter, please provide the following for each account listed above : The complete chain of assignment ( including bills of sale, transfer agreements, or assignment contracts from the original creditor to DEPTEDNELNET ) ; The original signed account agreements or contracts establishing the alleged debts ; A detailed account statement or ledger reflecting all transactions from account inception to date ; Copies of all notices of assignment sent to me ; Any other documentation in DEPTEDNELNETs possession that supports the accuracy, date opened, and status of each account. 

Failure to Comply Failure to comply with this request may constitute a violation of the FCRA, exposing DEPTEDNELNET to : Actual damages, Statutory damages of up to {$1000.00} per violation, Punitive damages, and Attorneys fees and costs, under XXXX U.S.C. XXXXn and XXXXo. 

Additionally, continued reporting of unverified or inaccurate information may also violate the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXXe, which prohibits false or misleading representations in connection with debt collection. See XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). 

Preservation of Evidence You are hereby notified to preserve all documents, records, communications, and data related to these accounts, including internal notes, correspondence with CRAs, and third-party communications. Any destruction or alteration of relevant records may result in sanctions for spoliation of evidence. 

Response Instructions Please send all responsive documentation to the address listed above. Should DEPTEDNELNET fail to comply with this request, I am prepared to pursue all legal remedies available, including seeking damages and injunctive relief in federal court. 

Govern yourselves accordingly.

Company response to consumer: Closed with explanation