Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (WI)

After 4 disputes XXXX continues to report inaccurate information on my credit report. From Nelnet/US department of Ed . for 3 student loans. Instead of doing a thorough investigation, like I requested several times, to contact Nelnet & XXXX to verify the student loans were transferred XX/XX/2023 from Nelnet to XXXX, they refuse to do an investigation properly. Instead they just ask to verify the old information on my report, if it is accurate, from the last report date of XX/XX/2023 from Nelnet about the 3 loans. Nelnet stopped reporting in XX/XX/2023 because the loans were took over by XXXX XXXX  & it's so simple, in yet XXXX will not remove these 3 loans from Nelnet from my report! Nelnet keeps saying yes, when they verify this info. from the last reporting date of XX/XX/2023 is accurate, because in XX/XX/2023 it was accurate! BUT IT IS NOT ACCURATE NOW & HASNT BEEN FOR MONTHS! XXXX THIS IS SO RIDICULOUS!! I have talked to Nelnet several times & they keep putting the responsibility on the new loan servicer XXXX XXXX  saying they have to report correctly & they have to provide the new information that the loans were transferred. How ever, they have reported correctly, XXXX XXXX has it reporting correctly, SHOWING I ONLY HAVE 3 LOANS NOW WITH XXXX XXXX & IN XX/XX/2023 US DEPT OF ED APPROVED ME FOR THE FORGIVENESS PROGRAM & THE OLDEST LARGEST LOAN THAT STATES XXXX on XXXX report, ( ORIGINALLY $ XXXX ) WAS PAID 100 % IN FULL! XXXX is reporting 6 loans open instead of just 2 open, with XXXX XXXX. XXXX in showing 3 loans still with Nelnet open & 3 with XXXX XXXX, open. XXXX is also showing the loan that was paid in full, paid off but also showing it is open as well, when it's closed! Im so sick of these errors & lack of CONSIDERATION FOR MY LIFE!!! I HAVE WORKED HARD & SMART TO IMPROVE MY CREDIT & XXXX & NELNET LACK OF PROFESSIONALISM IS SLOWING ME DOWN FROM MY DREAM OF BUYING A HOME!! I requested several times Nelnet provide me proof of the student loans transfer to XXXX XXXX  & they told me XXXX XXXX XXXX has to provide it, but they are the old servicer, then XXXX financial says no, it has to come from the old loan servicer, Nelnet, not us, nothing we can do, we are reporting the XXXX loans correctly & reported in XX/XX/2023 the 3rd loan was paid in full! I am so exhausted from no one truly caring to help me. By law the previous student loan servicer should had notified me that the loans have been transferred by a letter or email. In the past when the student loans were transferred I was notified by mail, ahead of time. I NEVER RECEIVED ANY NOTICES! & By law Credit reporting agency are supposed to report only accurate info & investigate fully! All Nelnet had to do was provide me a letter of transfer so I can show proof to XXXX & all XXXX had to was contact both Nelnet XXXX XXXX XXXX to verify by asking was these loans transferred & the one loan paid off fully! Its RIDICULOUS! & Nelnet told me to get a letter of a transfer could take months! Again, my life should not be on hold because these companies aren't doing their jobs correctly & have no compassion for customers!! There is no excuses for this stress, IT'S DEVASTATING TO ME! I been dealing with this unnecessary mess since XX/XX/2023 when XXXX XXXX  starting reporting they took over the loans from Nelnet & XXXX loan was paid off fully. Again, XXXX XXXX got it right! XXXX got it partially right, they are reporting The 2 loans transferred from XXXX XXXX but also showing the 3rd loan that was paid off, still reporting open form Nelnet. I been disputing this error with them too. XXXX By law all credit bureaus have to report the same accurate info. & again by law I should have been notified by Nelnet these loans were being transferred to a new servicer & provide a letter by now. I am tired of calling & calling a making complaints & bending over backwards to get what I deserve in the 1st place!! I AM TIRED OF MY RIGHTS BEING VIOLATED. IF THIS MATTER DOES NOT GET RESOLVED ASAP I AM SEEKING LEGAL HELP FOR A LAW SUIT! XXXX & NELNET ARE MESSING UP MY CHANCE OF BUYING A NEW HOME & OTEHR FUTURE CREDIT USES!