Consumer complaint received 2025-07-08 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: PR

Complaint narrative:
To Whom It May Concern : I am writing to formally request the complete removal of all student loan accounts associated with my name from both my credit report and loan balance records. This request is based on ( 1 ) concerns of non-consensual disclosure and mishandling of personally identifiable educational information protected under the Family Educational Rights and Privacy Act ( FERPA ), and ( 2 ) my right under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ), to dispute information that is inaccurate, incomplete, or unverifiable. 

It has come to my attention that Nelnet Servicing, a federal student loan servicer, suffered a data breach in XXXX  that compromised the personal information of approximately XXXX XXXX borrowers. The exposed data included names, Social Security numbers, email addresses, phone numbers, and loan account details. According to a class action lawsuit, Nelnet allegedly failed to safeguard this data and delayed notifying affected individuals, further compounding the harm. 

In addition, Nelnet has allegedly miscalculated monthly repayment amounts, reported inflated payment amounts to credit bureaus, and misrepresented borrower debt, leading to inaccurate credit reporting that has likely caused unjustified drops in credit scores for borrowers across the country. These actionsintentional or negligentrepresent not only a violation of borrower trust, but a systemic failure to comply with federal privacy and consumer protection laws. 

Given this context, I want to make it absolutely clear that I do not consent to the sharing of my personal, academic, or financial information with any third parties without my explicit written permission. Any such disclosure violates FERPA and infringes on my right to privacy and data security.

Therefore, under FCRA 611 ( a ) ( 1 ) ( A ), I am formally disputing the accuracy and legitimacy of the student loan accounts currently reflected in my credit report. These accounts are now in dispute due to serious and
credible concerns of unauthorized data exposure, fraudulent or negligent servicing practices, and lack of verifiable compliance with FERPA.

I am requesting the following actions : 1. Immediate investigation and removal of all student loan entries reported under my name and Social Security number.

2. Permanent deletion of any related derogatory marks or loan balances from all credit reports maintained by Equifax, Experian, TransUnion, or any affiliate bureaus.

3. Cessation of all collection activity related to the disputed accounts.

4. Written confirmation of the deletion and resolution of this dispute, as required under FCRA.

This is a formal dispute notice and should be treated in accordance with federal law. If no resolution is provided within the 30-day timeframe mandated by FCRA, I will pursue additional remedies, including formal complaints to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and the U.S. Department of Education .

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation