Consumer complaint received 2025-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Firstmark Services XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern, I am writing to formally dispute the validity and balance of a private student loan debt currently listed under my name in the amount of {$50000.00}. This debt is associated with my attendance at the XXXX XXXXXXXX XXXX XXXXXXXX. 
My Federal Student Loans for the XXXX XXXXXXXX XXXX XXXXXXXX were recently XXXX under the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX program. This discharge was granted on the grounds that the XXXX XXXX engaged in fraudulent, deceptive, and dishonorable practices that misled students regarding the value of their education, career prospects, and financial obligations. These findings apply to both Federal and Private loans used to attend the institution. 
Given that the private loans in question were obtained under the same circumstances, representations, and educational purpose as my now-discharged federal student loans, I am formally requesting that these private loans be XXXX as well. The XXXX XXXXXXXX XXXX fraudulent and deceptive practices played a direct role in my enrollment decision and in my need to borrow both federal and private funds. 
Because the institutions misconduct has already been acknowledged as grounds for dissolving my federal student loan debt, it is both reasonable and just that the private loans taken out concurrently for the same program be treated in the same manner. I should not be held financially liable for debt that was incurred due to institutional fraud and misrepresentation. 
For this reason, I respectfully request full discharge of these private loans. 
Additionally, this loan has been sold and transferred multiple times. I am requesting a full accounting and verification of the loans history, including : All servicer and ownership transfers XXXX payment records Any records of interest capitalization The original loan agreement and all related disclosures Because this matter is currently under formal dispute, I am also requesting that all required payments be paused immediately and that no negative credit reporting, collection activities, or additional fees occur while this review is in process. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence of this debt. This includes : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest and other charges ; and for all other charges, the date of and basis for each charge. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Verification that this debt was assigned or sold to a collector including original loan documents and payment history Complete accounting of the alleged debt. 
Commission for debt collector if collection efforts are successful. 

Again, please consider this letter a formal request for : Full discharge of the private loan ( XXXX ) based on the XXXX XXXX determination I am prepared to provide documentation of the Federal loan discharge and the findings against the XXXX XXXXXXXX XXXX  XXXX. I ask that you review this matter with fairness and integrity, and I look forward to your response within XXXX  days of receipt of this letter. 
Sincerely,

Company response to consumer: Closed with explanation