Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: OR

Complaint narrative:
CFPB needs to change the name on this account to reflect my LEGAL NAME. This must include middle initial and suffix! 

I AM NOT XXXX XXXX. 

Nelnet is refusing to show this account paid in full and stop collections on a balance that I do not owe. Great lakes currently shows paid in full like it showed in XXXX, 11 years ago. It showed on the great lakes site along with recent screenshot as paid in full status. I have provided the necessary documentation. 

We do NOT OWE This DEBT. 

No matter how they try to spin this, we do not owe this debt.

Nelnet is also refusing to acknowledge they did not have the correct name on the account and per US Code for compliance, should be removed from my credit report. 

They are saying the balance was transferred in XX/XX/XXXX as the form letter shows. 

Great lakes showed paid in full, 11 years ago and recently, paid in full- discharged. NOT TRANSFERRED. Screenshot attached again. 

HOW CAN A BALANCE BE TRANSFERRED WHEN IT SHOWED PAID IN FULL 11 YEARS AGO, NO COMMUNICATIONS, NO STATEMENTS, NOTHING FOR 11 YEARS then the post COVID ILLEGAL DATA XXXX  SHOWED ON OUR CREDIT REPORT AS OWING ON XX/XX/XXXX. Now they won't stop sending mailing that I owe this debt which is blatant illegal collection practices and fraud. 

You can't collect on a debt that was discharged and showed Paid in Full 11 years ago on their website and again as of XX/XX/XXXX when supposedly this debt was transferred Nelnet is in direct violation of FCRA and US Code for Compliance by refusing to acknowledge the paid in full status and reporting and trying to collect on a debt owed that is NOT owed. Also reporting under the wrong legal name.

THIS IS NOT MY DEBT! 

Most recent letter response : Dear XXXX, We are writing in response to the inquiry you submitted to the Consumer Financial Protection Bureau regarding your federal student loan account with Nelnet. On behalf of your lender, the U.S.

Department of Education ( ED ). We take your concerns seriously and appreciate the opportunity to respond. 
As we understand it, you assert that your loans were paid in full in XXXX, however, they are currently reflecting an active balance. You are requesting that we update the account to reflect paid in full. 
We addressed similar concerns in our enclosed response dated XX/XX/XXXX that also included our XX/XX/XXXX response. We advised that ED authorized the transfer of your loans from Great Lakes Educational Loan Services Inc. ( GLELSI ) to Nelnet on XX/XX/XXXX, to be repaid. 
Following the transfer of your loans the tradelines associated with your GLELSI account were updated to reflect a {$0.00} with GLELSI, this does not indicate that your loans have been paid in full or discharged. 
If you have any other questions, you may call us at XXXX from XXXX XXXX. to XXXX XXXX  ( XXXX ) Monday, XXXX XXXX to XXXX XXXX. Tuesday and Wednesday, and XXXX XXXX. to XXXX XXXX. Thursday and Friday. You can also email XXXX or visit XXXX. 
Sincerely, XXXX XXXX. 
Nelnet XXXX : XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation