Debt collection -- False statements or representation -- Complaint #11557079
Complaint Overview
Complaint ID: 11557079
Company: Nelnet, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Pennsylvania
ZIP Code: 18360
Date Received: 2025-01-15T12:00:00-05:00
Date Sent to Company: 2025-01-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Deletions Under CFPB Action and FCRA Compliance Dear XXXX XXXXXXXX XXXX , I am writing to formally dispute inaccurate, unverifiable, and outdated information on my XXXX credit report. As outlined in the Fair Credit Reporting Act ( FCRA ) and further supported by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX for failing to conduct adequate investigations into consumer disputes, I demand the immediate removal of all items that fail to comply with federal law. The CFPB 's enforcement action highlights XXXX 's responsibility to ensure disputes are resolved through proper investigation, as mandated by 15 U.S.C. 1681i. Despite previous attempts to resolve these issues, XXXX has failed to provide sufficient verification or correction of the following accounts : XXXX XXXX XXXX Dept. of Education/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specific Issues with These Accounts : Reporting beyond the allowable time frame Incorrect or inconsistent personal information Paid-off or settled accounts inaccurately reported as open or delinquent XXXX 's actionsor lack thereofnot only violate the FCRA but also contradict its legal obligations, as detailed in the CFPB lawsuit. The law explicitly requires that any disputed information that can not be verified within the statutory time frame be deleted. I hereby request the following : Full and transparent verification of the disputed accounts within 30 days. Immediate deletion of any account that can not be verified or is inaccurate. Written confirmation of all corrections made to my credit report. Failure to resolve this matter will result in the filing of formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and other regulatory bodies. Additionally, I reserve the right to pursue legal remedies for any damages caused by Experians failure to comply with federal law. Enclosures : Copy of my credit report with disputed items highlighted Copy of my government-issued ID Proof of address Please treat this matter urgently and provide written confirmation of the resolution within 30 days of receipt. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11557079 about?
Complaint #11557079 was filed against Nelnet, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-01-15T12:00:00-05:00.
How did Nelnet, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Nelnet, INC.?
Yes, visit the Nelnet, INC. company profile at readthecomplaint.com/company/nelnet-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.