Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I am disputing inaccurate and improperly-noticed credit reporting by Nelnet on XXXX federal student loan accounts on my credit reports. Each account shows a 90-day late payment in XX/XX/XXXX. I have attempted to resolve this through both XXXX and directly with Nelnet without success. BACKGROUND : I had been in the federal COVID-19 student loan forbearance from XX/XX/XXXX through the end of the federal pause. When the pause ended and payments resumed, I received no adequate notice from Nelnet that payments were due on my loans. The first notification I received that any amount was owed was when Nelnet reported me as 90 days delinquent to the credit bureaus in XX/XX/XXXX. At no point prior was I notified of a missed payment through a 30-day or 60-day late credit reporting, billing statement, email, or written notice that I received. DISPUTE HISTORY : I previously disputed this reporting through XXXX. Nelnet verified the reporting as accurate without providing any substantive explanation. I then disputed directly with Nelnet. On XX/XX/XXXX, Nelnet responded in a written letter stating that no adjustment was needed because, in their words : " Your forbearance request was received after the delinquency ( ies ) occurred. A forbearance brings your account up to date but does not remove any credit reporting due to delinquency. '' Nelnet 's response does not address the substantive issues with their reporting and notice practices. SUBSTANTIVE ISSUES NELNET HAS NOT ADDRESSED : NO 30-DAY OR 60-DAY LATE REPORTING OCCURRED PRIOR TO THE 90-DAY LATE. Standard credit reporting practice requires each stage of delinquency to be reported as it occurs. By skipping directly from " current '' to " 90 days late '' with no intermediate stages, Nelnet deprived me of the credit monitoring notifications that would have alerted me payments had resumed. This is not standard practice and is the practical reason I had no opportunity to cure before serious credit damage occurred. NELNET DID NOT PROVIDE ADEQUATE NOTICE THAT PAYMENTS HAD RESUMED. After more than three years of federally-mandated forbearance, I received no statements, no due-date notifications, no delinquency warnings, and no other communication from Nelnet indicating payments were now due. The Department of Education has repeatedly directed servicers to ensure borrowers received adequate notice during the payment resumption transition. Nelnet appears to have failed this duty in my case. THE FEDERAL ON-RAMP PERIOD APPLIED DURING PART OF THE RELEVANT WINDOW. The federal on-ramp ran from XX/XX/XXXX through XX/XX/XXXX. During that period, missed payments were not to be reported to credit bureaus. To the extent any portion of my delinquency overlapped with the on-ramp period, those payments should not have been reported as late. NELNET 'S XX/XX/XXXX LETTER IS NON-RESPONSIVE. Their letter relies on the rule that forbearances applied after delinquency do not cure prior credit reporting. This addresses only one narrow technical point and ignores the substantive issues above. The letter does not state when or how Nelnet attempted to notify me of payment resumption, whether any notices were sent, or whether any delivery failed. The letter does not explain why no 30-day or 60-day late was reported. WHAT I AM REQUESTING : A. Nelnet provide documentation of all notices sent to me between XX/XX/XXXX and XX/XX/XXXX regarding payment resumption, due dates, or delinquency, including delivery confirmation or return-mail records. B. Nelnet explain why no 30-day or 60-day late was reported prior to the 90-day mark. C. Nelnet identify whether any portion of the delinquency window overlapped with the federal on-ramp period, and if so, correct the reporting. D. Nelnet remove the 90-day late notations from all XXXX affected accounts and transmit the corrections to all three major credit bureaus. E. Nelnet provide written confirmation of any corrections made. This matter has caused substantial harm to my credit profile and continues to affect my ability to access reasonable credit terms. I am asking the CFPB 's intervention to ensure Nelnet provides a substantive response.

Company response to consumer: Closed with explanation