Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16813651
Complaint Overview
Complaint ID: 16813651
Company: Nelnet, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Georgia
ZIP Code: 30291
Date Received: 2025-10-24T12:00:00-05:00
Date Sent to Company: 2025-10-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Nelnet Disputes Department, This letter is in direct response to your correspondence regarding my prior dispute concerning the mishandling of my personal and educational records. Your reply failed to adequately address the core issues raised under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). As previously stated, my educational and financial information was accessed, shared, or maintained without my knowledge or consent, constituting a violation of FERPAs requirements to safeguard student records and personally identifiable information. Your response acknowledges your obligations under the Privacy Act of 1974 and FERPA but fails to address whether an unauthorized third party accessed or retained my records, nor does it confirm what security measures were taken to prevent such a breach. Under 15 U.S.C. 1681b and FCRA 623 ( a ) ( 6 ), you are required to ensure that any information furnished to consumer reporting agencies is accurate, verifiable, and obtained lawfully. Since there is an unresolved question of data security and authorization, continued reporting of this account to any consumer reporting agency constitutes a violation of these federal provisions. I am hereby demanding the following : XXXX. A complete reinvestigation into the handling of my personal and educational records under FERPA and the Privacy Act. XXXX. A detailed statement of all entities or parties with whom my data was shared or accessed since account origination. XXXX. Immediate removal and suppression of any credit reporting related to this account from Experian, Equifax, and TransUnion until verification of lawful authorization is provided. XXXX. Written confirmation of compliance within 15 days, as required under FCRA 611 ( a ) ( 1 ) ( A ) and FERPA regulations ( 34 CFR Part 99 ). Failure to comply will result in a formal complaint being filed with the U.S. Department of Educations Family Policy Compliance Office, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ) for violation of my federally protected rights. Please consider this a final notice before escalation. I expect a complete and lawful resolution in writing.
Frequently Asked Questions
What is Complaint #16813651 about?
Complaint #16813651 was filed against Nelnet, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-10-24T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.