Consumer complaint received 2024-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
US DEPT. OF EDUCATION/GL XXXX XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. I demand this account be deleted from my consumer report immediately. 

I have recently come across information from the Family Education Rights and Privacy Act of 1974. This law protects the privacy of student education records from kindergarten through graduate school. FERPA applies to all schools that receive funds through an applicable program of the U.S. Department of Education, and thus most postsecondary schools are covered by FERPA.

The Family Educational Rights and Privacy Act of 1974 ( FERPA ) protects the privacy of students by limiting third party access to student education records. When a student reaches the age of XXXX  or begins attending a postsecondary institution, regardless of age, FERPA rights transfer from the parent to the student. Students have a right to know about the purpose, content, and location of information kept as a part of their educational records. They also have a right to expect that information in their educational records will be kept confidential.

Accordingly, FERPA gives students the following rights regarding their education records. The right to access education records kept by the school, The right to amend education records, The right to request that education records be disclosed only with student consent ( this means that the student " owns '' the XXXX record in that no one at the University may access or discuss the content of the file with parents, guardians, or third-party providers WITHOUT THE EXPRESS WRITTEN CONSENT of the student ) and The right to file complaints for unauthorized disclosure of education records. The right to request education records be disclosed only with student consent. The right to consent to disclosures of personally identifiable information contained in the student 's education records, except to the extent that FERPA authorizes disclosure without consent. One exception, which permits disclosure without consent, is disclosure to school officials with legitimate educational interests.

According to FERPA, under what conditions is prior consent not required to disclose information? Information may be released to the following people under the following circumstances.

school officials with legitimate educational interest school officials at an institution where the student seeks to enroll parents of students who claim student as dependent for tax purposes health or safety emergencies that require protection of the student or others a court order or subpoena, after reasonable effort has been made to notify the student the Secretary of the Department of Education the Office of the Comptroller General the Attorney Generals Office of the United States state and local education authorities as part of an audit or program review research firms working for the educational institution.

Students may grant permission to the University to release academic, financial aid and student financial account information to parents, guardians, or third parties by submitting a signed and dated Authorization to Release Student Records. FERPA also permits disclosure of directory information without consent unless the student has filed a Non-disclosure of Directory Info.

Directory information includes : Name Address ( es ) Telephone numbers E-mail address ( es ) Date and place of birth Major field of study Enrollment status ( Enrolled/Not Enrolled ) Participation in officially recognized activities Dates of attendance Anticipated degree and degree date Degrees, honors, and awards received Most recent educational institutions attended Weight and height of members of athletic teams Photograph A students personal identifier used by the student for purposes of accessing or communicating in electronic systems The right to file complaints for unauthorized disclosure of education records A student has the right to file a complaint with the U.S. The Department of Education concerning alleged failure should comply with the requirements of FERPA.

FERPA applies to the Financial Aid Office. Records created and maintained by the financial aid office are considered to be education records and may not be disclosed without the students consent. This includes at least all of the following records.

Records relating to eligibility and disbursement of Federal student aid funds Student account Federal work-study payroll records Financial aid applications SARs and ISIRs Documentation of professional judgment decisions Documentation relating to a refusal to certify Federal education loans Financial aid history information ( for transfer students ) Cost of attendance information, including documentation relating to any adjustments Satisfactory Academic Progress ( SAP ) documentation ( information on SAP Appeals ) Documents used for verification Entrance and exit counseling records Financial records

Company response to consumer: Closed with explanation