Consumer complaint received 2024-04-27 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: NY

Complaint narrative:
Dept of Ed/Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX Notice to agent is notice to principal Notice to principal is notice to agent. 

You DEPT OF ED/NELNET are reporting information about my educational record that you have no permission to report. 

Family Educational Rights and Privacy Act ( FERPA ) Generally, schools must have written permission from the parent or eligible student to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interests ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law.

There is no contract or written permission where I XXXX XXXX gave any written permission. If you DEPT OF ED/NELNET believe that I have given you this permission I am requesting the document pursuant Rule 1002.

Furthermore, my non-public personal information is Private. It is also confidential and you are violating my right to privacy and confidentiality by reporting this information illegally without written permission. 

Your activities have amounted to identity theft 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

In addition to your fraud and identity theft actions, you have further violated 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to ensure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I am disgusted with your behavior I will be filing complaints with the CFPB, FTC, XXXX, and OCC regarding your fraudulent, misleading practices which have caused significant harm to me, my family, my reputation, my character, my mode of living. 
You have inconvenienced my life and you will be held accountable. 

The information that you have furnished has caused denials and adverse actions when I apply for extensions of credit. 
You have furnished my nonpublic personal records of information regarding my accounts to institutions like XXXX, XXXX, and XXXX that have had multiple data breaches compromising my information. 

I need the account { DEPT OF ED/NELNET XXXX XXXX records blocked or deleted from XXXX, XXXX, and or XXXX. You have no permission to report any records or information to these institutions without my permission. You have violated the Family Educational Rights and Privacy Act ( FERPA ) in addition to 15 USC 6801, and you have committed identity theft 18 USC 1028A. 

You have 10 Days to Delete this account { XXXX } from all consumer reporting agencies but not limited to { XXXX, XXXX, XXXX, } Thank you, XXXX XXXX

Company response to consumer: Closed with explanation