Date Received: 2023-06-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, Dept of Ed/Nelnet, US dept of education XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, XXXX it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Dept of Ed/Nelnet, US dept of education , Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: VA
Zip: 22315
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I am in receipt of a computer-generated letter from your company XXXX XXXX, unsigned, unverified, unvalidated statements alleging some kind of debt. It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between ( ME ) XXXX XXXX and alleged debt. I've ask for this information 3 times and you have not complied. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, it any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, If any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX, I submitted complaint XXXX stating that Nelnet provided email correspondence stating that borrowers would be automatically switched to electronic mail ONLY, unless they opted out by XX/XX/XXXX. The link Nelnet provided only allowed for borrowers to OPT IN to electronic mail. Nelnet responded on XX/XX/XXXX. Among their various misstatements and refusals to remedy this issue, Nelnet stated The opt-out option is not available until XX/XX/XXXX, as you are not currently enrolled. On XX/XX/XXXX, you can opt out of XXXX directly on your XXXX account. Nevertheless, my case was closed by the CFPB. My follow up comments were not transmitted to Nelnet. And Nelnets wrong-doing continued unabated. My calls to ask to stay on POSTAL MAIL correspondence were disconnected or met with You mean you want to opt in to email only? Because thats all we can do On XXXX, I logged onto my Nelnet account so I could OPT IN to postal mail, andI learned that Nelnet does not offer such an option. Their only option allows me to opt-in to electronic mail. Nelnet only notified borrowers of this change using email which disenfranchises borrowers with limited access to electronic mail. Nelnet refuses to set up the infrastructure for users to opt out of this change. Nelnet has failed in its notice requirements, and committed fraud against its borrowers.
Company Response:
State: TX
Zip: 76209
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: My student loans have been paid but still on my credit report.
Company Response:
State: IL
Zip: 60115
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
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: My student loan was recently transferred in XXXX. The new loan company has reported the information more than one time as more than one account when in actuality it is only supposed to be one account. It only has one account number on all 4 accounts being reported. I had disputed this with XXXX and XXXX and both came back as verified accurate. When I called the loan company they told me that it will go back to what it was before eventually, not even given a date and said there was nothing else they can do and I also have the option to consolidate it to join them together. I shouldn't need to consolidate a loan that is only one account to begin with. Both bureaus and company refuse to delete off my report
Company Response:
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The loans were filed to be removed with the department of education directly and we still havent resolved the deletion of the now {$32000.00} which was supposed to be forgiven an deleted in full from the incompetent school advisors doing fraud
Company Response:
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: In XX/XX/2022 following the opening of the student XXXX XXXX application, I requested a refund from my loan servicer, Nelnet, amounting to {$20000.00} for payments made on my loans during the XXXX pandemic. I checked in regularly on the status of my request for a refund, and at the end of XXXX, it was approved and a balance was restored to my Nelnet account. I waiting for a month to receive a XXXX for my refund and received nothing, and did not get a notice that a XXXX had been issued. I called back in XXXX, to which Nelnet said they were checking into the issue. On XX/XX/XXXX, I called back and noted that I had not received any follow-up, and more over had not received the refund I was owed. With the customer service team, we decided to place a hold on that check and re-issue the refund, noting that this had been in process for XXXX months after approval at this point. In speaking with the representative, they noted that this would put me at the bottom of the list of refund applications, and I would have to start the process all over. I argued with them and filed a complaint with the company. I was told at this point that I should receive a check in XXXX weeks as they were prioritizing issue resolution. When I asked for confirmation that this complaint has been submitted, Nelnet proceeded to promptly email me the private information of another borrower, including their name and loan amounts. I promptly reported this, to which they had me delete the information, but gave no further update on the status of my complaint. Following this, I heard nothing from them, and called back again at the end of XXXX, to which the representative I spoke with reiterated that my refund application had been sent to the bottom of the stack, and that they were currently experiencing a processing delay of XXXX months, and that I should receive my refund in XXXX or XXXX. She also confirmed that they would follow up with me every XXXX weeks to update on the status. This follow-up occurred throughout XXXX, XXXX and XXXX, but I have not heard from them in XXXX, it is now XXXX, and we are XXXX months post when my refund was approved, and I am still awaiting my XXXX for thousands of dollars, and the balance has been restored to my account. In this time, I have lost out on hundreds, if not thousands, of dollars in interest at this point. In addition, should the loan repayment begin again before my refund is received, I am concerned that I will now owe more than I did initially. I am VERY frustrated, and feel as though I am being gaslit and have been gaslit by Nelnet for almost XXXX months, knowing that if I were this late on my payments, I would face serious consequences.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I allege these for-profit schools lured me as a hopeful student into enrolling in their vocational programs by promising certain careers, but only left me with substantial debt, I paid my tuition using federal loans, so not only have these schools taken advantage of me, theyve taken money from taxpayers. I was trying to better my life through education and am instead being left financially ruined. my credit score dropped over XXXX points at once due to payments all at once reporting late.
Company Response:
State: MA
Zip: 01841
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to request that you remove the fraudulent account that was opened using my identity from my credit report. I recently discovered that someone had stolen my personal information and used it to open this account without my knowledge or consent. I have already taken steps to report the identity theft to the appropriate authorities, and I am working to dispute the fraudulent charges associated with the account. However, I would also like to request that you remove the account from my credit report as it is damaging my credit score and financial well-being. I understand that you may require additional documentation or information to verify my claim, and I am willing to provide whatever is necessary to support my request. I would also appreciate your prompt attention to this matter, as I am eager to resolve this issue as quickly as possible. Thank you for your understanding and cooperation in this matter. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 32084
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The Department of Education/NEL NET is unlawfully reporting ( 12 ) late payments to my consumer report. The reporting of such impermissible and inaccurate information has caused severe damage to my character, my reputation, and my general mode of living and has negatively affected my ability to obtain credit for personal and household purposes. The Department of Education/NEL NETs inaccurate reporting has damaged my livelihood. 15 USC 1681a 2 reads as follows : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The reporting of ( 12 ) late payments, which are clearly transactions or experiences solely between the Department of Education /NEL NET , the person making the report, and XXXX XXXX XXXX XXXX XXXX, the consumer, may not be included in any consumer report! Including ( 12 ) late payments and adding any reference to late payment history is in direct violation of 15 USC 1681a 2 and my consumer rights! 15 U.S. Code 1681s-2 reads as follows : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The Department of Education/NEL NET is hereby placed on notice that continued reporting of impermissible information to my consumer report is a breach of your duty to provide accurate information. As a furnisher of information to a consumer reporting agency, the Department of Education/NEL NET is prohibited from furnishing inaccurate information. The continued reporting of this inaccurate information is a clear violation of 15 USC 1681s-2. The Department of Education/NEL NET has caused me and my family severe harm due to its negligent and inaccurate reporting. Update my consumer report by removing this impermissible, inaccurate, and incorrect information. While it may be your policy to report late payments and other negative information, you are prohibited from attaching references to late payments to consumer reports!
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A