Consumer complaint received 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To whom this may concern This is a reply to the CFPB via # XXXX please be advised Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB has the authority to take action against institutions violating consumer financial laws, including engaging in unfair, deceptive, or abusive acts or practices. The Bureau found that Nelnet violated the Consumer Financial Protection Act by engaging in deceptive acts and practices. Nelnet is on record via CFPB stating and quote On behalf of your lender, the U.S. Department of Education ( the Department ). Your comp has be sued by the CFPB for the same reason before. 

That violates FDCPA 15 U.S.C 1692e ( 1 ) by falsely representing or implying that Nelnet are affiliated with the United States of America.

Nelnet is a loan servicer which in fact is a third party individual company that has no ownership nor common control by the U.S. Department of education.

15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code 1692e ( 12 ) - False or misleading representations ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

15 U.S. Code 6809 - Definitions ( 5 ) Nonaffiliated third party The term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Nelnet, XXXX, XXXX and XXXX are not affiliates of the U.S Department of Education nor are they " bureaus. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given the U.S. Department of Education written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer. I am now opting out of any and all authorization I the consumer may have given you CitiBank, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section Students ' financial records are confidential in accordance with the Family Educational Rights and Privacy Act ( FERPA ). FERPA is a federal law that protects the privacy of student education records, including financial record. So your company can not take my nonpublic personal information and furnish it on a public forum like XXXX XXXX and XXXX for everyone to see. 

The confidentiality of my nonpublic personal information is very important and prohibited by federal laws. FERPA protects the privacy of students ' education records, FERPA prohibits the disclosure of personally identifiable information without the student 's consent. 

The records covered by FERPA Financial aid applications Student account information Federal work-study payroll records Cost of attendance information Financial aid history information Documentation of professional judgment decisions 15 U.S. Code 1692k ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of. 

By taking nonpublic personal information and attempting to collect a debt you have no legal right too and that I clearly dont owe and making a false statement and furnishing a consumer report is a direct violation that goes against the FDCPA AND FDCPA.

Company response to consumer: Closed with explanation