Consumer complaint received 2025-04-08 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: MO

Complaint narrative:
Nelnet Education Loan Funding , Inc. 
XXXX XXXX XXXX XXXX, NE XXXX Subject : Cease and Desist Demand for Unlawful Practices Dear Nelnet Education Loan Funding , Inc. , I am writing to formally notify you that your actions related to my personal information and your continued collection attempts are in violation of federal statutes, and I demand that you immediately CEASE AND DESIST from any further unlawful activities concerning my personal data, credit reporting, or communications. 

I am invoking the following laws : 15 U.S.C. 6802 - The Right to Privacy of Personal Information Under this statute, you are prohibited from disclosing, sharing, or utilizing my personal information in ways that are unauthorized and unlawful. If you are continuing to collect, share, or utilize my personal data for purposes other than those for which I have expressly consented, you must immediately cease such activities. 

15 U.S.C. 1681b - Fair Credit Reporting Act ( FCRA ) According to the Fair Credit Reporting Act, any inquiry into my credit report or the use of my credit data must have a permissible purpose. If your actions regarding my credit report or credit file do not align with permissible purposes defined under this law, I demand that you immediately stop any such inquiries, requests, or use of my credit information.

18 U.S.C. 1028A - Aggravated Identity Theft If any of your actions, whether by you or on your behalf, have involved the unauthorized use, disclosure, or solicitation of my personal identifying information, such conduct may fall under identity theft statutes. If your actions are determined to be unlawful or represent an attempt to unlawfully use my personal identity for any unauthorized purposes, I will not hesitate to pursue legal remedies to the full extent of the law, including notifying the appropriate authorities for further action. 

As such, I demand the following : That you immediately CEASE AND DESIST from any further attempts to collect or report any information about me without my express consent, in violation of the above-mentioned laws. 

That you immediately cease any unlawful inquiries or misuse of my personal information or credit report. 

That you provide me with a written confirmation within [ Specify a time frame, e.g., 15 days ] from the date of this letter that you have ceased and desisted from the above activities and any related actions. 

Failure to comply with this demand will leave me with no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other relevant authorities, as well as seeking civil damages under applicable law. 

Please consider this matter seriously and take immediate action to prevent further escalation. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MO XXXX [ Your Email Address ] [ Your Phone Number ] Make sure to specify a reasonable time frame for the creditor to respond ( typically 10-15 days ), and consider sending the letter via certified mail with return receipt to ensure you have a record of it being received. Additionally, it's always a good idea to consult a legal professional if you're unsure about any part of the process. 




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Company response to consumer: Closed with explanation