Consumer complaint received 2025-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA, and your responsibility is to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student debt in full. 
XX/XX/XXXX Account Number XXXX Social Security Number. XXXX Borrower Name : XXXX XXXX XXXX XXXX Dear Borrower XXXX You XXXX XXXX XXXX the XXXX Department of Education ( Department ) that you believe that a credit report incorrectly describes a debt you owe or owed to the Department. You contest the accuracy of the debt information as shown on the credit report, not as shown in the Department 's records. 
The Department discloses information about debts it holds, on a monthly basis, to XXXX  major national credit repositories, XXXX, XXXX XXXX, XXXX & XXXX, as required by Federal Law : Sections 463 ( c ) and 430a of the Higher Education Act of 1965 as amended and 31 U.S.C. 
3711. Credit reports, even if they are compiled by local credit bureaus, usually include information from XXXX of these XXXX repositories. The Department is not responsible for ensuring that credit repositories or credit bureaus update their information in a timely fashion, but such agencies must comply with the Federal Fair Credit Reporting Act, or FCRA, ( 15 U.S.C. 1681 ). 
The Department is required to report defaulted debts to credit reporting agencies as referred for collections. If a previous servicer of your debt reported information to credit reporting agencies, that information may still appear on your credit report. You should contact the previous servicer if you have concerns regarding information that they reported. 
The FCRA allows consumers to contest information contained in their credit files at a credit bureau. To do so, send the credit bureau a written notice explaining the matter you dispute. The bureau must then investigate the accuracy of that information and correct any inaccurate information. If they do not receive verification or correction of the disputed information within 30 days, they must delete it. Consumers may also have the credit bureau include in later credit reports that the information is disputed. 
To dispute information you believe is inaccurate, send to the credit bureau whose credit report you dispute and also to the XXXX credit repositories a letter that states : I dispute the following information on my credit report about the defaulted Federal education debt owed to the U.S. 
Department of Education and that then describes the information you believe is inaccurate.Page XXXX The XXXX credit repositories are : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation