Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX Sloan Servicing U.S. Department of Education Federal Student Aid Servicing Center Re : Formal Notice of Dispute, Demand for Validation, Request for Account Reconstruction and Administrative Discharge Borrower : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX SSN : XXXX Date of Birth : XX/XX/year> Accounts Referenced : Federal Student Loans Serviced by Department of Education / Nelnet XXXX XXXX Balance : {$98000.00} NOTICE OF FORMAL DISPUTE This correspondence serves as formal notice that the above-mentioned loan balances are disputed in their entirety. This notice is submitted pursuant to the following statutes and federal regulations : 15 U.S.C. 1681s-2 and 1681i ( Fair Credit Reporting Act ) 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ) 20 U.S.C. 1087e ( Higher Education Act ) 34 CFR 685.206 ( Borrower Defense and Loan Dispute Rights ) 5 U.S.C. 552a ( Privacy Act ) 15 U.S.C. 6801 ( Gramm-Leach-Bliley Act ) The balances currently reported by your organization appear to contain significant inaccuracies related to loan servicing, payment accounting, and balance transfers between Nelnet and Sloan Servicing XXXX The following balances are being reported : Department of Education / Nelnet Total : {$97000.00} XXXX XXXX Nelnet XXXX XXXX XXXX : {$500.00} Combined Balance {$98000.00} These balances are formally disputed due to the following issues : 1. Improper loan balance transfer between servicing entities. 2. Failure to properly credit borrower payments and maintain accurate servicing records. 3. Potential data integrity issues related to borrower records and servicing history. 4. Reporting of potentially inaccurate credit data to consumer reporting agencies. DEMAND FOR ACCOUNT RECONSTRUCTION Due to the discrepancies identified, I hereby demand a complete account reconstruction and validation of the above referenced loan totals. This reconstruction must include : Original signed Master Promissory Notes Complete loan disbursement records Full payment history and transaction ledger Servicer transfer documentation Interest accrual calculations Accounting method used to determine current balances Documentation verifying lawful authority to collect If such documentation can not be produced, the accounts must be corrected or discharged pursuant to federal consumer protection law. CEASE COLLECTION DURING DISPUTE Pursuant to 15 U.S.C. 1692g and applicable federal servicing regulations, all collection activity and negative reporting must cease while the dispute investigation is pending. NOTICE OF REGULATORY COMPLAINTS Copies of this dispute have been submitted to the following regulatory authorities : Consumer Financial Protection Bureau ( CFPB ), Federal Student Aid Ombudsman Group, Federal Trade Commission, Experian, Equifax, and TransUnion, and Office of the XXXX Attorney General Failure to properly investigate and correct inaccurate loan reporting may constitute violations of federal consumer protection statutes. Accordingly, I request written confirmation of the investigation and resolution within XXXX ( XXXX ) days.

Company response to consumer: Closed with explanation