Consumer complaint received 2026-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I am submitting this complaint regarding inaccurate, unfair, and improperly reported delinquencies by Nelnet related to my federal student loans during the repayment restart and administrative transition period following the federal XXXX payment pause. 

Nelnet reported my account as delinquent for XXXX and XX/XX/year>, despite the fact that these months fell during a period of widespread, well-documented servicing disruptions associated with the federal repayment restart. During this transition, borrowers were moving from the payment pause into repayment, XXXX  eligibility, or administrative forbearance, and servicers were required to ensure accurate account coding and adequate borrower notice. 

Nelnet failed to provide clear, timely, and adequate notice that my account had entered active repayment or that payments were due for the months reported as late. I did not receive sufficient communication establishing that repayment had properly resumed or that failure to pay would be reported as delinquency. As a result, my account should not have been reported as past due during this transition period. 

Further, Nelnet failed to apply appropriate administrative forbearance during the repayment restart, despite widespread acknowledgment by the Department of Education and the CFPB that many accounts were mis-coded or improperly placed into repayment during this period. I raised this issue directly with Nelnet, yet Nelnet denied my request without providing documentation demonstrating proper notice, accurate repayment status, or justification for reporting these months as delinquent rather than administratively forborne. 

Additionally, the educational institution associated with these loans is now closed, which raises further concerns regarding the validity of ongoing servicing, repayment status determinations, and whether these loans were properly administered and reported during the transition period. 

During the period in question, I was also incarcerated, which further limited my ability to receive, access, or respond to communications regarding any alleged repayment obligations during the federal repayment restart. This circumstance made clear, timely, and accurate notice from Nelnet especially critical, yet no such notice was received. This further demonstrates that any reported delinquency was not willful, and that Nelnet failed to exercise reasonable care in servicing and reporting my account during the administrative transition. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers of information must ensure that credit reporting is accurate, verifiable, complete, and not misleading. Reporting delinquency during a period when administrative forbearance should have applied, where notice was deficient, and where borrower capacity was impaired, constitutes inaccurate and unfair credit reporting.

Nelnet has failed to provide : Proof of proper repayment notice, Evidence of correct account coding during the repayment restart, Or documentation substantiating that these months were legitimately due and delinquent.

Requested Resolution I respectfully request that Nelnet : 1. Correct or delete the XXXX XXXX  late payment reporting ; XXXX. Apply retroactive administrative forbearance for the affected months ; XXXX. Update all credit bureaus ( XXXX XXXX and XXXX  ) to reflect accurate reporting ; XXXX. Provide written documentation explaining how Nelnet determined these payments were due during the transition period and how notice was allegedly provided. 

If Nelnet can not fully substantiate the accuracy of this reporting with proper documentation, the negative credit information must be removed.

Company response to consumer: Closed with explanation