Consumer complaint received 2025-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Subject formal requests for student loan removal due to FERPA violations dear net nel and Department of Education representative I am writing to formally request the removal of my student loans due to multiple violations of the family education rights and Privacy Act FERPA that have directly impacted my rights and financially obligations upon a thorough review of my loan records I have identified breaches in the handling of my personal identifiable information pii as well as procedural failures that have rendered my loans invalid violation of FERPA and my rights as a borrower according to 20 us code 1232 G and 34 CFR part 99 educational institutions and their affiliates must Safeguard student records and obtain proper authorization before disclosing or utilizing student information for purposes beyond the intent scope the violations include but are not limited to 1. Unauthorized disclosure of personal identifiable information ( pii ). my Student Loan Data including my social security number enrollment status and financial details have been accessed and shared without my explicit content violating my FERPA rights hey babe the Department of Education and it's contracted loan servicers were required to obtain my written authorization before sharing my data with third party collectors or agencies. 2. Failure to provide full access to my educational records upon request under FERPA I have the right to review and correct errors in my student records however repeated requests for original loan documentation including signed promissory notes and disbursement records have gone unanswered. the inability to provide these records indicates a procedural failure that voids the legitimacy of the loan obligation. Unlawful misrepresentation and processing errors misrepresentation of my loan status interest rates and repayment obligations due to incomplete or incorrect disclosures is a direct violation of federal law. The Department of Education and Loan servicers must comply with the due process when managing Loan disbursements Servicing and collections failure to do so constitutes a material breach. Formal demand for loan discharge and record removal due to these clear FERPA violations in non-compliance with Federal Regulations I am demanding the immediate removal and discharge of my student loans from all records including the XXXX XXXX XXXX XXXX XXXX all credit reporting agencies XXXX XXXX and XXXX  any affiliate loan services collection agencies or third party entities legal grounds for discharge as per XXXX XXXX XXXX. XXXX, misrepresentation and non-compliance with Federal student aid regulations warrant loan cancellation furthermore UNDER FERPA ( 34 CFR PART 99 ) the mishandling of Education records can result in federal enforcement actions including the loss of funding for institutions and agencies involved failure to action this request is further legal action including formal complaints with the federal student aid ombudsman group the consumer Financial Protection Bureau cfpb and the US Department of education 's FERPA office I expect a written confirmation of loan removal within 30 days of receipt of this letter please send all responses in writing to my address

Company response to consumer: Closed with explanation