Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: FL

Complaint narrative:
This letter serves as a formal dispute and request for discharge under applicable federal laws, including the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), Family Educational Rights and Privacy Act ( FERPA ), Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and the Privacy Act of 1974. The account listed above, which appears on my credit report under DEPT OF EDUCATIONXXXX, is in dispute due to unauthorized access and the compromise of my personal and financial information. 

1. Unauthorized Disclosure FERPA Violation My educational and financial information was accessed, transmitted, or shared without my knowledge or consent. This is a direct violation of the Family Educational Rights and Privacy Act ( FERPA ), which mandates the confidentiality of student records. The Department of Education and Nelnet are both responsible under FERPA for protecting the integrity and privacy of all student data. The unauthorized use, breach, or transfer of my records constitutes a severe violation of these obligations. 
As a result of this breach, I am demanding the immediate cancellation and full discharge of this student loan debt, as its continued enforcement and reporting arise from the unlawful handling of my personal information. 
2. Documentation Request Under 15 U.S.C. 1681i Pursuant to federal law, I demand the following : Full billing history for the life of the account Complete payment ledger Disbursement record, including dates and recipients Original signed promissory note and loan contract Proof of legal authorization to access or obtain my educational records from any school or institution If you are unable or unwilling to provide these documents, you are in violation of the FCRA, FERPA, and FDCPA. This account must be immediately deleted from all credit reporting agencies and deemed invalid. 
3. Improper Transfer of Student Loan You have transferred and/or serviced this loan without proper verification or borrower notification, which is another breach of FERPA 's consent requirements. If you claim to have permission or access rights, you must prove this in writing.

4. Consumer Reporting and FDCPA Violation If you are attempting to collect or report this debt without proper verification, you are in direct violation of the FDCPA, which prohibits attempts to collect or report unverifiable or disputed debts. This includes furnishing data to any credit bureau while a dispute is pending or without proper validation. 
Additionally, this is a Metro 2compliant dispute. You are legally required to mark this account as in dispute using compliance condition code XB until resolution is complete.

5. Recent Department of Education Data Breach Involving DOGE Recent reports have revealed that the Department of Education improperly shared the personal financial data of millions of student loan borrowers with XXXX XXXX and other unauthorized individuals linked to the Department of Government Efficiency ( DOGE ). This unauthorized access included sensitive information such as Social Security numbers, credit reports, and bank account details, violating the federal Privacy Act of 1974. A federal judge has temporarily barred DOGE from accessing this personal information, acknowledging the likely violation of privacy laws. 
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 loan debt in full. 


5. Required Actions Immediately discharge this loan due to FERPA, FDCPA, and Privacy Act violations Remove the account from all credit reporting agencies Provide full and verified documentation listed above Send written confirmation of your actions and compliance If you do not respond in good faith or fail to provide full documentation, I will escalate this matter to : The U.S. Department of Education Office of the Inspector General The Federal Trade Commission ( FTC ) My states attorney general and consumer protection division This letter serves as your formal notice. Failure to comply may result in legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation