Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8274249
Complaint Overview
Complaint ID: 8274249
Company: Nelnet, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Michigan
ZIP Code: 48237
Date Received: 2024-02-02T12:00:00-05:00
Date Sent to Company: 2024-02-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a matter of great concern related to my Department of Education/Nelnet student account. It has come to my attention that there are potential violations of the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974. I believe that the Department of Education and Nelnet, the loan servicer, may have violated my rights under these federal statutes. FERPA applies to any public or private elementary, secondary, or post-secondary school, as outlined in 20 U.S.C. 1232g ( b ). The FCRA, found in 15 U.S.C. 1681, regulates the collection, dissemination, and use of consumer credit information. Additionally, the Privacy Act of 1974, codified in 5 U.S.C. 552a, safeguards the privacy of individuals ' personal information held by federal agencies. I am particularly concerned about the recent practice of Nelnet reposting transaction history to my credit report. This unauthorized reposting of transaction history has had a significant impact on my credit standing, and I believe it constitutes a violation of the FCRA and FERPA. Despite my efforts to address these concerns directly with the Department of Education/Nelnet , I have encountered significant challenges in obtaining a satisfactory resolution. I am seeking the Consumer Financial Protection Bureau 's intervention to investigate these alleged violations thoroughly and ensure that my rights are protected and upheld under FERPA, FCRA, and the Privacy Act. I believe that a comprehensive review of the matter will shed light on the potential breaches and facilitate a resolution. Enclosed with this letter, you will find copies of relevant documents of my credit score. I kindly request that you conduct a thorough investigation into this matter and take appropriate action to address any identified violations under FERPA, FCRA, and the Privacy Act. Thank you for your prompt attention to this issue. I look forward to a resolution that ensures the protection of my rights under these important federal statutes.
Frequently Asked Questions
What is Complaint #8274249 about?
Complaint #8274249 was filed against Nelnet, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-02-02T12:00:00-05:00.
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.