Date Received: 2023-07-05
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Please consider this a formal Request for Early Exclusion of the Accounts below from my Credit Report. Please investigate and correct inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. Item Number Company Name Account Number Comments 1. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 2. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 3. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 4. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 5. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 6. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 7. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 8. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 9. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 10. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 11. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 12. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. Sincerely,
Company Response:
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I took out a {$5000.00} dollar loan at XXXX XXXX XXXX XXXX and XXXX in XXXX NY The school was closed and went into bankruptcy. I called and the company told me they would take it off my credit because the information was incorrect it said I took out two loans instead of one. I do not owe any loan because the school was closed.
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to express my deep concern regarding your unauthorized access to my personal information without my consent. I would like to bring to your attention that I do not have any contractual agreement or affiliation with your company, yet you have accessed and reported information about me to XXXX. This unauthorized access to my personal information is a direct violation of my privacy rights as guaranteed by the laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. According to these laws, companies are required to obtain proper consent before accessing and reporting personal information to credit reporting agencies. I demand that you immediately remove any and all references to my account from XXXXXXXX XXXX report, as this information was accessed without my authorization. Failure to do so would further demonstrate your disregard for my privacy rights and may result in legal action for FCRA violations. I expect Nelnet to take this matter seriously and rectify the situation promptly. I also request that you provide written confirmation of the removal of this unauthorized account from my XXXX report. Please be advised that any failure to comply with these requests will leave me with no choice but to pursue all available legal remedies to protect my rights under the FCRA and other applicable laws. There are 12 accounts reporting on my Consumer report that I do not consent to. I demand removal immediately. I trust that you will address this matter with the urgency and seriousness it deserves. I eagerly await your prompt response and a resolution to this privacy violation. Sincerely,
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: when i found out my student loans were sent over to nelnet i emailed them and asked what the process was i received a email stating that my student loans were XXXX and had a XXXX balance. Then i was informed that they knew nothing about it and that email from nelnet was sent in error which means the whole email sent to me was misleading and false information. Nelnet XXXX XXXX XXXX You Dear XXXX, The U.S. Department of Education ( ED ) has determined that your XXXX XXXX XXXX XXXX XXXX XXXX ) serviced by Nelnet qualifies for borrower defense to repayment discharge, because your school was found to have misled you or engaged in other misconduct in violation of certain state laws. Weve XXXX XXXX or more of your XXXX Loans that were determined and communicated to you by XXXX. As a result, your loan ( s ) serviced by Nelnet has a XXXX balance and is paid in XXXX Credit Reporting Within XXXX days of this notification, we will request credit reporting agencies to remove any credit status previously reported for the identified loans. What You Need to Do You do not need to do anything else at this time regarding your loan discharge. We recommend you keep this notification for your records and watch for other communications from us. Questions? Were here for you. Visit Nelnet.com or call us at XXXX. XXXX our current hours at NelnetXXXX Sincerely, XXXX XXXX. Dear XXXX, Thank you for contacting the U.S. Department of Educations ( ED ) office of Federal Student Aid regarding your federal student loan account with Nelnet XXXX XXXX ( Nelnet ). On behalf of your lender, XXXX, we service your federal student loans. XXXX assigned XXXX XXXX to us for response. We take your concerns seriously and appreciate the opportunity to respond. Your concern, as we understand it, is you received an email from XXXX, stating that you had been approved for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You asked Nelnet what actions you needed to take after receipt of the email, and we sent an email reply stating that no additional action was necessary and that your entire loan balance had been XXXX due to borrower defense to repayment. Your loan balances have not been XXXX. You are asking us to honor our email dated XX/XX/XXXX, and discharge your student loans. We confirm that on XX/XX/XXXX, you sent us an email enquiry asking what you should do in regard to the email you received from XXXX regarding the XXXX XXXX XXXX XXXX XXXX XXXX In error, our agent replied to your email with information about a separate program, borrower defense to repayment, and that XXXX or more of your loans were being XXXX. This was an error and your loans have not been approved for this type of discharge. We apologize for the frustration or confusion this error may have caused. Additional Information : XXXX Student Debt Relief The Student Loan XXXX XXXX XXXX announced by the XXXXXXXX XXXX provides up to {$20000.00} in loan forgiveness, depending on whether a borrower received XXXXXXXX XXXX while attending XXXX XXXX. A court order issued on XX/XX/XXXX, blocked XXXX from processing completed requests from borrowers and accepting new applications until litigation was resolved. In addition, approved requests were put on hold, pending the outcome of the litigation, as the attached email you provided confirms. At this time, the U.S. XXXX XXXX has not issued their decision and there is no additional action that you need to take. This email was sent for informational purposes only. Additional information is a
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX The issue I would like to address is in regards to federal student loan inaccuracies held by Nelnet. To be more specific, I have two existing consolidation loans formerly held by Great Lakes which have transferred over to Nelnet during the latter month of XXXX, XXXX. Consolidation Loan details ; - Direct Consolidation Unsubsidized ( {$3100.00} / 6.375 % interest ) - Direct Consolidation Subsidized ( {$3500.00} / 6.375 % interest ) Correction : the interest rate for both consolidation loans is NOT 6.375 %, it is " 0 % fixed '' As my story goes... During the month of XXXX, XXXX, I was notified by mail that all formerly held federal student loans by Great Lakes would be transferring to Nelnet and I would receive superior service. I registered an account with, and contacted Nelnet in the latter month of XXXX via phone to dispute loan inaccuracies during the transfer ( particularly the interest rates ). I had an opportunity to speak with both an advisor and manager, both of which were deliberately not helpful and clearly didnt want to be on the phone to begin with. I then contacted Great Lakes via phone of whom were much more cordial and the advisor gave me an opportunity to discuss my concerns. The advisor kindly requested that I wait at least one month to see if it would work itself out due to, " large volume of transfers, incoming phone calls, and similar stories '', so apparently I wasn't the only one. I patiently waited one month before contacting Nelnet via phone and as it turns out my situation hadn't changed... I then filed a Complaint Form using Nelnet 's online sources in the " contact us '' tab on XX/XX/2023. As of XX/XX/XXXX, no changes were made to the account, nor have I been contacted. Once again, I called Nelnet and spoke with an advisor. Unfortunately, no resolution has been reached ; however, I was notified that my account has been pending since XXXX and that no decision has been made. I was also provided an email to which I could submit another complaint with accompanying evidence to support my dispute and so I filed immediately on the same day ( documents included ). It is now XX/XX/2023 ; no investigation was performed, no corrections were made, I was not contacted via phone, email, or postal service, and my Nelnet account has no messages in the inbox... there were no follow-ups whatsoever, which is concerning because I spoke with management regarding my concerns as these errors have the potential to impact my life heavily in negative ways. Needless to say, I am 100 % displeased with this company and feel very strongly that Nelnet should be investigated by governing authorities for both negligence and complete disregard for the well-being of a borrower. Once again, I will provide supporting evidence with this Complaint Form in an effort to rectify the situation. Additionally, you may contact the XXXX yourself to clarify these details. I would sincerely appreciate having these corrections made immediately and to have the corrections/ notice mailed to me asap. This will be my final attempt in good faith before resorting to court, as I have now waited over two months with no response whatsoever from Nelnet.
Company Response:
State: OH
Zip: 43537
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' DEPT OF EDUCATION/NELN Balance details 11 % paid off Balance {$4600.00} Balance updated XXXX XXXX, XXXX Original balance {$5200.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. Status updated XXXX XXXX Original balance {$5200.00} Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms 180 Months Company sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Company Response:
State: NY
Zip: 11102
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: The company Nelnet changed my payment history this year XXXX XXXX from all on time payments to late or missed payments from the months XX/XX/XXXX-XX/XX/XXXX. They just decided that somehow I was late on payments that I have been on income repayment program since I withdrew from the university and they loans had been credited back to The Dept of Education. Back in XXXX, I withdrew before the new semester started and have proof the loans were sent back. When I contacted Nelnet about the issue they said they only collect payment for the dept of education. I emailed copies of my student ledger showing the payments back to the loan but they have not dont anything to correct the loan on my credit report. I also was a victim of the Nelnet data breach when so many borrowers had their social security number stolen among other things.
Company Response:
State: KY
Zip: 422XX
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX and XXXX The following student loans are reporting in my closed account inaccurately and no longer exists : Loan number ending XXXX {$4500.00} Loan number ending XXXX {$6000.00} Loan number ending XXXX {$12000.00} Please remove the accounts from my XXXX and XXXX crefit reports.
Company Response:
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Department of education/Nelnet have shown me as being 120days late, a second month of being 120days late then the third month as being 150 days late. The problem is all in front and behind these XXXX months there are nothing but green checks. So the math of XXXX months 120 days late and the third at 150 days late does not add up.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Nelnet Is using my copyrighted commercial intellectual property without permission. My name is my property and Nelnet does not have my permission to use it in any form or capacity.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A