Consumer complaint received 2017-07-26
Company: Nelnet, Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I obtained XXXX separate student loans from XX/XX/XXXX to XX/XX/XXXX to attend XXXX College XXXX XXXX  XXXX. Nelnet was the original servicer of these loans. I was unable to obtain gainful employment in my field of study, so I had these loans in forbearance or deferment status until XX/XX/XXXX. That is when all of the loans became delinquent for a period of ten months and were transferred to the Department of Education. In XX/XX/XXXX, I applied for XXXX XXXX XXXX XXXX XXXX through Nelnet and satisfied all of the requirements for the three year monitoring period. In XX/XX/XXXX, I received a discharge letter from Nelnet. All XXXX of my loans are being reported twice on my credit report by Nelnet. Nelnet corrected the status of XXXX of these accounts to " current, paid as agreed '' after I disputed a false late pay on my XXXX  report during XX/XX/XXXX. I prevailed in getting the false late pays removed. I filed an additional dispute with all bureaus to correct the status of the remaining XXXX loans from currently 120 days late to " current ''. That dispute was unsuccessful. I contacted the Federal Student Loan Ombudsman Group for assistance. The first investigation was unsuccessful. I filed a subsequent case with the Ombudsman Group, via email and this case was concluded in a very timely manner. I was assured by the Ombudsman that Nelnet would correct the reporting of these accounts, however this has yielded more issues. Nelnet responded with correspondence to me stating that after a careful review of my account, they submitted a request to all national credit bureaus to update the trade lines for my loans to show a XXXX balance. I called Nelnet to clarify the information in the letter, and the representative stated that the delinquencies would be corrected. Nelnet reported all XXXX of my loans on my credit file with all three bureaus a second time, these loans are reported in good standing. However, the loans are listed XXXX by Nelnet now, with the status not being corrected on the first set of loans reported. Also, all XXXX of the loans are listed on my report by the Department of Education in a paid, written off collection status. These loans reported by the Department of Education were in good standing up until the point where " inappropriate '' corrections were made. In short, I have XXXX separate loans that are being reported three times with all XXXX  bureaus. Each loan is being reported as a derogatory account XXXX, XXXX by Nelnet and XXXX by the Department of Education. This amounts to XXXX derogatory accounts on EACH of the XXXX bureaus. I have consulted with an attorney in this matter, I was advised that since the loans are discharged they should be completely stricken from my credit file. I have attached the letter of discharge from Nelnet.

Company response to consumer: Closed with explanation