Date Received: 2022-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 states I have the right to privacy. I feel as if this issue was not handled properly.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
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: the servicer has elected to choose the budget that was tentative which is relating to the XXXX XXXX program with the XXXX XXXXXXXX XXXX. Nelnet has deliberately refused to review all the paperwork despite their XXXX agent advises me that they would only adjust the excess that was relating to room and board. I have attached the confirmed budget that shows I was billed for room and board between XXXX budget financial year. Why is Nelnet is being deceptive and failed to do what is right.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
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: Around XX/XX/2022, I discovered that Nelnet is continuing to report me for owing them for XXXX of XXXX student loans I had with them. Both of the loans I had with Nelnet transferred to XXXX in XXXX of 2022 and then to XXXX on XX/XX/2022 as a part of my Public Service Loan Forgiveness process. What alerted me to the inaccuracies on my XXXX and XXXX credit reports is the increase in the amount I owe for student loans. The amount increased from {$160000.00} to {$220000.00}. Nelnet is still reporting me as owing them {$59000.00}. This is not accurate. I no longer owe them anything. I disputed the inaccuracy with all XXXX credit reporting agencies. XXXX completed their " investigation '' in less than XXXX weeks and stated my loan with Nelnet was accurate. I then contacted Nelnet and explained what I was seeing on my dispute report. The Nelnet representative stated she didn't know why because " they '' haven't reported anything on my credit report since XXXX, 2022. I told her that I could see on the report from XXXX that Nelnet DID report that I owed them {$59000.00} in XX/XX/2022 and again in XX/XX/2022. I then told representative that I needed something in writing to show that I have a XXXX balance with Nelnet. The representative told me she could not send me anything like that through email. I then informed her that Nelnet did send me a transcript of what I paid them throughout the years through email without any issues. I then asked her if I should contact the XXXX XXXX XXXX and within a few minutes, I received XXXX separate emails from Nelnet stating I paid off my XXXX loans with them. I then did another dispute with XXXX and uploaded the emails from Nelnet. I then contacted XXXX and XXXX and there have still been no changes. This has caused my credit score to drop XXXX points. The credit reporting agencies are not doing their due diligence to help me ( as a consumer ) with this Nelnet inaccuracy. I have also reported this to my state 's Consumer Protection Division.
Company Response:
State: NC
Zip: 28625
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: On XX/XX/XXXX, I contacted FirstMark services to report that I was unable to afford my monthly payment of {$320.00} ( which is more than XXXX of my biweekly paycheck ). They told me they were unable to lower my payment but I could apply for my LAST two months of forbearance. With XXXX, my only daughter 's XXXX birthday coming up on XX/XX/XXXX and the XXXX season shortly behind, I decided to utilize my last two months of forbearance, despite the fact that I'll be paying on this for another TEN ( 10 ) YEARS! On XX/XX/XXXX, I was notified that my forbearance was approved from XX/XX/XXXX to XX/XX/XXXX despite having made a payment on XX/XX/XXXX. The forbearance should have been approved from XXXX to XXXX. I contacted them and they told me I was wrong. On XX/XX/XXXX, I received a letter than my loan was entering repayment and my next payment would be due XX/XX/XXXX ( again, wrong ). On XX/XX/XXXX, I started receiving collections calls from XXXX XXXX XXXX telling me that I was 30 days past due and owed them {$640.00}. I was upset because it was 3 days before XXXX and the website was telling me I owed them more than {$950.00}. In tears, I spoke to a supervisor who told me this was a mistake on their part, that the forbearance was ended too soon and that they'd make the adjustments and send me a special letter detailing the circumstances of the error. I was reassured that mine and my cosigner 's credit reporting and would not be impacted. on XX/XX/XXXX, I received another collections call, spoke with another supervisor who said my request to fix their error was rejected and I'd essentially have to reapply for the forbearance I requested in XXXX. I'm actively drowning in this debt. Between this and my other private and federal student loans, I can not afford a home, I can not raise my credit score because my debt to income ratio is screwed. I need help. First mark Services is not able to service these loans sufficiently or in a way that doesn't prey upon hard working XXXX XXXX who followed the rules, went to college, went to XXXX XXXX, and have nothing to show for it except XXXX student loan debt.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have recently submitted a complaint against ALL 3 credit bureaus for misuse and fraudulent activity of my credit/consumer report. According to the Truth in Lending Act ( TILA ), the agencies willingly committed/commits fraud daily and also misinformed me as the consumer and didn't make the agreement clear and conspicuous that I could opt out, it was portrayed as if I could only opt in. They have been unfair, impartial and lacks respect for my right to privacy and consent. IT WAS NEVER MADE CLEAR TO ME WHAT WAS GOING ON. 15 U.S. Code 1681- Congressional findings and statement of purpose 15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S. Code 1681 ( a ) ( 4 ) 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. Title 15 CHAPTER 94 SUBCHAPTER II 6821 15 U.S. Code 6821 - Privacy protection for customer information of financial institutions 15 U.S. Code 6821 ( a ) Prohibition on obtaining customer information by false pretenses. It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person ( 1 ) by making a false, fictitious, or fraudulent statement or representation to an officer, employee, or agent of a financial institution. ( 2 ) by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution; or ( 3 ) by providing any document to an officer, employee, or agent of a financial institution, knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. 15 U.S. Code 6823 - Criminal penalty 15 U.S. Code 6823 ( a ) In general Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. 15 U.S. Code 6823 ( b ) Enhanced penalty for aggravated cases Whoever violates, or attempts to violate, section 6821 of this title while violating another law of the United States or as part of a pattern of any illegal activity involving more than {$100000.00} in a 12-month period shall be fined twice the amount provided in subsection ( b ) ( 3 ) or ( c ) ( 3 ) ( as the case may be ) of section 3571 of title 18, imprisoned for not more than 10 years, or both. 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy. 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. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Company Response:
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
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: On XX/XX/2022, I submitted a complaint regarding a federal student loan account that is serviced by a company named Nelnet. The reason for my initial dispute with this company as well as XXXX, was against the inaccuracy, incomplete and unverifiable information that is being reported on my consumer report pertaining to payment history. I submitted a complaint to Nelnet, XXXX, XXXX and XXXX. I am still awaiting the results of my dispute and investigation from XXXX and XXXX. However my case was closed by Nelnet and XXXX and deemed as accurate. My question to Nelnet and XXXX is how did you come up with the findings of your investigation? I asked in my previous complaint to be mailed with any and all documentations proving your claims, which you guys failed to do. My second question is how could a violation of the law be accurate? According to Cornell 's law, U.S. Code 1681a 2 ( a ) ( i ) it clearly states that transactions and experiences between the consumer and person making the report should NOT be included on a consumers report. Please explain to me why you feel you are above the law? I have also brought your unlawful acts to my attorney generals attention.
Company Response:
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitute a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC. This loan was originally Disbursed in XXXX via GREAT LAKES. The account was sold and transferred to the XXXX XXXX XXXX ( myeddebt.Ed.gov ) in XXXX. There are a total of 3 entries on my credit report in reference to this loan. The only years I was in school was XXXX. Files are attached. 1 ) DP OF EDUC, XXXX, Dates : XX/XX/XXXX XX/XX/XXXX, {$3500.00XXXX XXXX XXXX ) US DEPT OF EDXXXX, XXXX, Date XXXX XX/XX/XXXX XX/XX/XXXX, {$3500.00} XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX, Dates : XX/XX/XXXX XX/XX/XXXX, {$3500.00} XXXX XXXX
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet received my request for refund of my student loan payments during XXXX nearly 3 months ago and it has yet to process it. I've requested for the status of it multiple times and they have no idea what is going on or when it will go through. Other companies refunded these payments within days of request.
Company Response:
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
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: On XX/XX/XXXX, CFPB Complaint XXXX was filed against NELNET. You NELNET indicated, Under the Fair Credit Reporting Act ( FCRA ), data furnishers are not required to investigate certain disputes received directly from consumers. For your future reference, examples of those instances include : A request submitted or prepared by a credit-repair organization on behalf of the consumer, including submission of a credit dispute on a form supplied to the consumer by a credit repair organization Insufficient information from the consumer A credit dispute substantially similar to a dispute previously submitted by the consumer and investigated by us. In retrospect, this dispute was not completed nor submitted by a credit-repair organization on my behalf. Secondly, I have attached laws pertaining this dispute for YOUR review. Thirdly, if you have previously received dispute, that would be considered IDENTITY FRAUD, this is the first dispute I have submitted regarding this incidence. Furthermore, according to the law you are required by law ( 12 CFR Part 1016.4 ( a ) ( 2 ) to provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to consumers before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 1016.14 and 1016.15 of this part. 12 CFR Part 1016.7 indicates you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 12 CFR 1016.9 indicates how OPT OUT notices are to be delivered and since I DID NOT and DO NOT agree to participate in anything electronically, it is unreasonable of you to expect that as a consumer, I would be able to receive your actual notice of your privacy policies and practices if you : ( i ) Only post a sign in your branch or office or generally publish advertisements of your privacy policies and practices ; or ( ii ) Send the notice via electronic mail to a consumer who does not obtain a financial product or service from you electronically ( 12 CFR 1016 ( b ) 2 ( i ) ( ii ). Pertaining to your OPT OUT notice, you provide is electronically on your website. Also, 12 CFR Part 1016.7 ( g ) also states that you must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. As of today, XX/XX/XXXX, I have not received a privacy notice or an Opt Out notice from NELNET. Per 15 USC 6805 and FCRA and as a federally protected consumer, I am requesting to opt out of any and all authorizations reporting of my personal data to anyone without my prior written consent, immediately and permanently. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of XXXX. In addition to NELNET/XXXX XXXX ), you are in violation of Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). This Federal law protects the privacy of my student education records. Upon initial signage of my privacy act documents, there were verbiage that stated, the school would not provide my financial records to any 3rd party company. Per 34 CFR 99.2, education records include but not limited to : Grades, transcripts, class lists, student course schedules, health records ( at the XXXX level ), student financial information ( at the postsecondary level ), and student discipline files. As previously stated, you are violation of 15 USC 6802- you ( NELNET/EDUCATIONAL XXXX ) communicated my nonpublic personal information to unaffiliated XXXX parties without my consent and without giving me the opportunity to direct such information not to be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission. Once again, I DID NOT AND DO NOT CONSENT to you XXXX OF XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against you by filing a FEDERAL CASE against you and Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit report shows closed and over 180 days delinquent. The government has been paying since Covid relief started. How can it be delinquent? Also, my loan was with XXXX XXXX and was sold to XXXX without notification or ability to get in touch with this company. Even if the government wasnt paying student loan payments, I couldnt pay because I have no way to contact this third party company. I am requesting this delinquency be removed for the above reasons.
Company Response:
State: AR
Zip: 719XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A