Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Formal Complaint Unauthorized Access to My Student Loan Data & Violation of Rights Dear CFPB Representative, I am submitting this formal complaint regarding a serious violation of my privacy rights and the unauthorized access to my personal and financial data in relation to my federally held student loans. Specifically, I am demanding an investigation into the involvement of XXXX XXXX and any entities under his control in accessing, handling, or influencing the use of my personal loan information through the Department of Education or its contracted servicers. 

XXXX. Violation of My Data Privacy Rights The agreement I originally signed with the U.S. Department of Education was based on strict federal privacy protections, ensuring that my personal, financial, and loan-related information would only be handled by authorized parties with a legitimate and legal need to access it. However, I have reason to believe that XXXX XXXX holds no official governmental positionhas gained or influenced access to borrower data, either directly or through technological or contractual means. 

This constitutes a breach of trust and a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of XXXX, and other consumer protection laws regulating student loan data. The unauthorized sharing, misuse, or influence over borrower information by an individual without legal standing is a violation that nullifies the contractual basis of my loan agreement. 

XXXX. Voidance of My Loan Agreement Since my student loan contract was entered into under the assumption that my data would remain protected and only be accessible by authorized government entities and designated loan servicers, this breach has voided the original terms of my agreement. Any contract that is found to be based on unlawful, misleading, or unauthorized data use is unenforceable. 

Thus, I am formally requesting a full discharge of my student loans on the grounds that my rights have been violated. If my information was accessed or used in a manner inconsistent with the original, legally binding terms of my agreement, then the contract should no longer be valid or enforceable. 

XXXX. Requested Action & Investigation I urge the Consumer Financial Protection Bureau to take immediate action by : Conducting an investigation into whether XXXX XXXX or any of his companies have had direct or indirect access to student loan borrower data. 
Determining whether any unauthorized data use or influence over Department of Education decisions has occurred. 
Providing relief to borrowers whose data privacy has been violated, including but not limited to loan discharge or cancellation. 
I request a formal response within 15 business days, as outlined in CFPB complaint policies. If necessary, I am prepared to escalate this matter to additional oversight agencies, legal representation, and elected officials to ensure that borrowers rights are upheld and protected from corporate overreach. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation