Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Complaint Against Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for Identity Theft, Unauthorized Contracts, and Consumer Protection Violations To Whom It May Concern, I am filing this formal complaint against Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for multiple violations of federal consumer protection laws. These entities have been reporting fraudulent, unauthorized, and unverifiable information on my consumer reports for over 20 years, despite the fact that I was born in XXXX, making it impossible for me to have legally entered into contracts in XXXX or earlier. 
Violations of Federal Laws : 1. UCC 3-401 & 3-501 Unauthorized Financial Instruments & Presentment of Debt o I never signed any contracts related to the debts, loans, or accounts being reported by Nelnet or XXXX. 
o I demand that these entities produce the original, wet-ink signed contracts that prove my consent. 
o If they can not provide such proof, all debts, accounts, and inquiries must be immediately deleted under UCC 3-401 and 3-501.

2. FCRA ( Fair Credit Reporting Act ) Unverifiable & Inaccurate Reporting o The credit bureaus ( XXXX, XXXX, and XXXX ) have reported accounts that I never authorized, violating FCRA 609 ( right to request verification ).

o They have failed to investigate or remove inaccurate data, violating FCRA 611.

o They allowed unauthorized hard inquiries on my credit file, violating FCRA 604. 
o If they can not verify these accounts with legally valid contracts, they must be removed immediately. 
XXXX. FDCPA ( Fair Debt Collection Practices Act ) False & Deceptive Collection Practices o Nelnet and any debt collectors reporting fraudulent accounts have failed to validate these debts under FDCPA 809 ( Debt Validation Rule ).

o They continue to report unverifiable debts, constituting deceptive and unfair collection practices.

4. FTCA ( Federal Trade Commission Act ) Unfair & Deceptive Business Practices o The credit bureaus, Nelnet, and XXXX have engaged in deceptive and misleading practices by maintaining and selling fraudulent information about me. 
o They have profited from false data reporting, violating 15 U.S.C. 45 under the FTCA.

5. GLBA ( Gramm-Leach-Bliley Act ) Data Privacy Violations o XXXX has shared and sold my personal consumer data without my consent, violating GLBAs consumer privacy protections. 
o I demand that XXXX immediately remove all data related to my name and permanently opt me out of their data-sharing practices. 
Adverse Effects & Damages ( XXXX XXXX ) For over 20 years, these companies have reported false, unauthorized, and unverifiable information, resulting in : Denial of credit, employment, and housing opportunities. 
Unjustified financial harm due to inaccurate and fraudulent reports. 
Emotional distress from constant denials and harassment over debts I do not owe. 
Violation of my consumer rights under multiple federal laws. 
Requested Resolutions XXXX. Immediate Removal of All Unverified Accounts & Hard Inquiries o If Nelnet, XXXX, or the credit bureaus can not provide original wet-ink signed contracts, they must immediately delete these accounts from my consumer report.

o All unauthorized hard inquiries must be permanently removed.

2. Monetary Compensation for Willful Violations o Under FCRA 616 and 617, I am entitled to damages of {$1000.00} per violation for willful and negligent noncompliance. 
o Given that this fraud has persisted for XXXX years, I demand appropriate compensation for damages caused by these illegal actions. 
XXXX. Cease & Desist on Data Sharing and XXXX XXXX o XXXX must delete my entire consumer file and stop sharing my personal data. 
o Nelnet and any involved creditors must stop reporting unverifiable information immediately. 
Conclusion If these entities fail to comply within 30 days, I will pursue legal action for : FCRA and FDCPA violations Unfair and deceptive business practices under the FTCA Unauthorized financial transactions under UCC laws Privacy breaches under the GLBA I expect a written response from each company acknowledging my demands and confirming their compliance. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation