Date Received: 2023-05-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: So I am looking on my XXXX XXXX and XXXX credit report on XX/XX/XXXX and I see I have 2 student loans from Nelnet that were taken out under my name on XX/XX/XXXX one amount for XXXX $ and another amount for XXXX $ both on the same day. I have never in my life taken out any kind of student loans this is 100 % and I have no idea what to do from this point.
Company Response:
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code 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 resulted from an alleged identity theft, 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 identity theft!! Please delete these items IMMEDIATELY! 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 report und er 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 INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!
Company Response:
State: TX
Zip: 76013
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I called Nelnet about conflicting information I was receiving between The secretary of education, XXXX, and Nelnet. Sometime around XX/XX/XXXX I applied for the XXXX debt forgiveness offered by Secretary of Education. In completing the application I used the loan number for the loan I had with Nelnet. The balance is about {$10000.00} on this loan. A letter dated XX/XX/XXXX was received by me from the secretary of education stating not to make payment until XX/XX/XXXX. I talked with a supervisor today at Nelnet and they said that was for another loan with Great Lakes and did not apply to this loan. They also turned me in to the credit bureau for not making payments. I have not heard from nor takes to Great Lakes for over 5 years. I was not able to explain this to the supervisor because he kept talking over me when I would try to speak. He said FASA informed me wrong. Because of the way he was talking to me I was able to see he was not going to help resolve my issue.
Company Response:
State: IA
Zip: 52302
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Between XXXX and XXXX XXXX XXXX ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( 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.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On Friday, XX/XX/XXXX, I was informed in an email that all loans serviced by Nelnet would be automatically opted in to electronic notifications, and that if I did not wish for this to happen, I would need to opt out of paperless billing on XX/XX/XXXX. I went to the Nelnet website to opt-out and there were no options to opt out, but under the Manage Paperless tab there was an option to opt in. I then went to the email which provided a link to the area to presumably opt out of paperless billing. However, this only took me to the Manage Paperless tab where I had the opportunity to opt in to paperless billing. I then emailed my concern to Nelnet. On the morning of XX/XX/XXXX, I received a reply thanking me for my email and saying it would be added to a database of suggestions to improve Nelnet services. In response, I once again searched the Nelnet web page ( including the Manage Paperless tab ) in order to opt-out of paperless billing, and once again the only option allowed me to opt in to paperless billing. Nelnet plans to implement this on XX/XX/XXXX. Their notice requirements fail to meet federal regulations, and thousands of borrowers who prefer paper statements will be opted in to Paperless Billing as a result of their actions.
Company Response:
State: TX
Zip: 76209
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Letter to Remove Inaccurate Credit Information Attention : Report Team at XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. Dept of Ed/NelNet I also respectfully request to be provided proof of this alleged item, precisely proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. Please send an updated copy of my credit report to the above address. Thank you for your time and help in this matter. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 95820
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
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: Re-aging my date of first delinquency is incorrect. I have proof of email of when it was sent and i applied for unemployment.
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have received bad information about a private student loan I secured with XXXX XXXX XXXX ( Nelnet Servicing LLC ) in XX/XX/XXXX. I did not receive information on when payments were scheduled to begin and the monthly amount. Recently, I have started receiving harassing phone calls from XXXX and an email dated XX/XX/XXXX, that my loan was delinquent. I then received an email dated XX/XX/XXXX indicating that there was an important message in my XXXX inbox regarding my account. These two notices have been the only communications I have received from XXXX. I have not received any prior communications on how to access my account, billing statements, or any prior communications from XXXX that my loan was coming up for repayment.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Letter to Remove Inaccurate Credit Information Attention : Report Team at XXXX, XXXX, XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. Dept of Ed/NelNet I also respectfully request to be provided proof of this alleged item, precisely proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. Please send an updated copy of my credit report to the above address. Thank you for your time and help in this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response:
State: CA
Zip: 95820
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A