Date Received: 2023-06-13
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Nelnet : Account numbers still varies even after 1st investigation between the bureaus Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any. ( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692 G violations 4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Company Response:
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have not supplied proof under the doctrine of XXXX XXXX XXXX Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore exist. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4 I would like for this fed loans to be closed and removed immediately!
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This loan should be protected by the The Cares Act. They reported my student loans as late during the pandemic.
Company Response:
State: OH
Zip: 43147
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: This should not be included in my credit report due to the time it has passed
Company Response:
State: MA
Zip: 02143
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Nelnet was on pause while bankruptcy proceedings and still waited months later to report 6 payments being late. It was a forbearance and a COVID-19 were they on pause for any type of payment.
Company Response:
State: OH
Zip: 44708
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet debited my account after my loan was paid off under consolidation, and sent this payment unbeknown to me, to the new service provider. They claimed they had the right to do this because I had signed an automatic payment agreement with them. But my agreement was with them to make payments to. It did not authorize them taking money from my bank acct. to pay someone else. Besides they told me the automatic payment system was stopped in XXXX of this year after the loan was paid off. My bank acct was debited by them and indicated through my bank statement, on XX/XX/XXXX. If I had not checked my bank statement I would not have known because I was never informed of this taking place. When I discovered this payment was made, I called and they told me a check for the amount would be sent to reimburse me. It would take 6-8 weeks. I waited 10 weeks and after receiving nothing, I called again. First they told me I should have received it and put me on hold, then they told me the money was sent to new provider and my money would not be refunded. When asked who authorized this they said it was their policy. I hadnt even started a payment plan with new provider yet. I should have been informed by Nelnet that this was done. This is literally stealing money from my account!! How many people have they done this too without providing any information or authorization???
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
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: It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. Please fix the following accounts : XXXX XXXX Balance : {$7.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Company Response:
State: CA
Zip: 93611
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Nelnet has been reported to the credit bureau late payments when I was on a forbearance plan with them. They have reported 6 late payments which it shows I was on Income based plan with them as well as the COVID-19 forbearance
Company Response:
State: OH
Zip: 44708
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Applied for XXXX in XX/XX/XXXX with XXXX. XXXX approved XX/XX/XXXX. Called XX/XX/XXXX. Advised to resubmit. Resubmitted XX/XX/XXXX. Called XX/XX/XXXX. Told to be patient. Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX a manual transfer was requested for loans to be transferred from Nelnet to XXXX. Called XX/XX/XXXX still waiting for loans to be transferred.
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am in distress and can not believe that the Dept of education is still reporting inaccurate n incorrect information on my credit report. On XX/XX/2023. I wrote dept of education regarding this plight and to dispute these inaccuracies to which my request went unanswered. I wrote dept of education/Nelnet stating that they did not investigate my dispute within 30 days was a violation of FCRA section 623 ( a ) ( 8 ), to which the information in question has become unverifiable and must be deleted under the FCRA .Dept of Education/Nelnet finally wrote me back after 50 days stating they found no adjustment needed. I am in total disagreement with this conclusion first of all it was concluded outside of the 30 days they have to under the FCRA and was already deem unverifiable.
Company Response:
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A