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Reporting company used your report improperly. Subject : Formal Complaint Against Nelnet Dear Sir/Madam, I am writing to formally lodge a complaint against Nelnet regarding their handling of my personal information and related disputes. On XX/XX/year>, I sent a letter to Nelnet disputing information they had reported to the credit reporting agencies. Despite the seriousness of my dispute, Nelnet has failed to respond to my letter. Nelnet 's lack of response is not only unacceptable but also a violation of their obligations under the Fair Credit Reporting Act ( FCRA ). Furthermore, they have not notified the credit reporting agencies about the dispute, which is another clear violation of the FCRA. This failure to comply with federal regulations has negatively impacted my credit report a