Consumer complaint received 2025-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Date : XX/XX/year> Subject : Dispute & Formal Complaint Dept. of Education/NELN Unauthorized Student Loan Reporting & Consumer Rights Violation Dear CFPB, I am submitting a formal dispute and complaint regarding the reporting of a Dept. of Education/NELN student loan account on my credit report. This account has been illegally reported without proper verification and should be immediately removed due to violations of the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ). 
Account in Dispute : Dept. of Education/NELN Account # XXXX Legal Violations & Consumer Rights Breach : XXXX. FERPA Violation ( 20 U.S.C. 1232g ) : My student loan records are protected under federal privacy laws. This account was illegally disclosed and reported without my explicit consent, violating FERPA regulations.

2. Unauthorized Third-Party Access XXXX XXXX XXXX XXXX XXXX XXXX student loan information was accessed by unauthorized third parties, including XXXX and XXXX XXXX XXXX which constitutes a breach of my privacy rights under FERPA. Neither entity had my consent to obtain or receive information regarding my federally protected student loan records. 
3. FCRA Violation ( 15 U.S.C. 1681e ( b ) ) : Credit bureaus and loan servicers must verify the accuracy and legitimacy of reported accounts. This loan remains on my credit report without proper verification, making the reporting inaccurate and unlawful.

4. Failure to Respond to My Previous Disputes : I have previously disputed this account, yet the Dept. of Education/NELN has failed to provide any documentation proving I authorized its reporting to the credit bureaus or any third parties.

Demand for Immediate Action : 1. Immediately delete this disputed student loan account from my credit report.

2. Provide written confirmation that this account has been removed and corrected. 
XXXX. If you refuse to remove this account, provide an official investigation report proving I authorized this reporting and disclosure to XXXX and XXXX XXXX. 
4. Investigate how and why my student loan records were accessed by unauthorized third parties.

Formal Complaints Filed Against These Entities : Due to the failure of the Dept. of Education/NELN and the credit bureaus to correct this issue, I have escalated this matter and filed complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) U.S. Department of Education ( DOE ) State Attorney Generals Office Final Notice Legal Consequences If No Action is Taken : If this account is not removed within 30 days, I will pursue further legal action under : FERPA ( 20 U.S.C. 1232g ) for the unauthorized disclosure of federally protected student loan information.

FCRA ( 15 U.S.C. 1681n ), which allows me to seek statutory damages, actual damages, and legal fees for inaccurate and unverified reporting. 
Additional complaints with legal action against XXXX and XXXX XXXX for accessing and misusing my student loan information without my consent. 
I expect a written response confirming the resolution of this dispute. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Last XXXX of XXXX : XXXX

Company response to consumer: Closed with explanation