Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Department of Education Office of Federal Student Aid Subject : Dispute Regarding Breach of Contract, Unauthorized Access to Personal Information, and Request for Deletion of Student Loans Dear Sir/Madam, I am writing to formally dispute recent actions and concerns regarding my student loan account with the Department of Education XX/XX/year> XXXX I have recently become aware of a potential breach of contract, where it has been suggested that a third party, including individuals associated with XXXX XXXX team, may have gained unauthorized access to personal information of millions of borrowers, including myself. This raises serious concerns about your ability to safeguard sensitive data and comply with applicable privacy laws. 

As per the terms of my agreement, I trusted the Department of Education to protect my personal and financial information. However, the recent reports of unauthorized access and potential violations of privacy law, including data protection regulations, suggest a failure in fulfilling this responsibility. 

In light of this issue, I am requesting immediate action on the following : Investigation and Clarification : Please provide a thorough investigation and explanation of how my personal information was accessed and whether XXXX 's team, or any other external parties, obtained or misused my data. Please also clarify what actions have been taken to address this issue and prevent further breaches. 

Failure to Protect Sensitive Data : Given the breach and the failure to protect sensitive information, I believe the Department of Education has not upheld its contractual obligations to protect my data. Please confirm what steps have been taken to address and rectify this breach, including any compliance with data protection laws such as FERPA. 

Request for Deletion of Student Loans : Due to the breach of contract and the failure to secure my sensitive information, I am requesting the immediate deletion of my student loans from your system. This request is in accordance with the law, given the unauthorized access to my information and the resulting violations of privacy. Please provide confirmation that my loan account will be erased from your records and removed from all relevant credit reporting agencies. 

Reparation for Harm Caused : Given the serious nature of this breach, I request confirmation regarding the steps that will be taken to mitigate any harm or damage caused by this security failure. I would also like to know if there are any reparations available for borrowers impacted by this issue. 

I request a written response within 15 business days, including a clear explanation of the investigation into the breach, confirmation of actions taken to protect my personal information, and a detailed response regarding my request to have my student loans deleted. 

Failure to address this matter satisfactorily will leave me no choice but to explore all available legal remedies to protect my rights, including seeking legal action for breach of contract, violation of privacy laws, and related claims. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation