Consumer complaint received 2026-03-01 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: FL

Complaint narrative:
CFPB Complaint Supervisory Escalation Requested Product : XXXX XXXX XXXX XXXX : Nelnet Issue : Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXX : RE COMPLAINT ID # XXXX This complaint concerns systemic inconsistencies between federal master loan data, institutional enrollment records, and XXXX furnished credit reporting. Nelnet has already issued multiple CFPB and bureau responses asserting that reporting is accurate. Those responses failed to reconcile contradictory federal records and failed to address specific disputed periods. This is no longer a simple reporting dispute. It is a federal servicing integrity issue. I. Disaster Forbearance Conflict ( Hurricane XXXX XX/XX/XXXX Forward ) XXXX reflects disaster-related forbearance beginning in XX/XX/XXXX during the federally declared disaster period for Hurricane XXXX. Despite this, Nelnet furnished escalating delinquency ( XXXX days past due ) to consumer reporting agencies during the same period. A loan can not simultaneously be : In federally recognized disaster forbearance Accruing delinquency aging These statuses are mutually exclusive. Failure to suspend delinquency aging during a valid disaster forbearance violates : XXXX U.S.C. XXXX ( b ) ( Duty to conduct reasonable investigation after dispute ) Furnisher obligations under Regulation V ( XXXX CFR XXXX ) Federal student loan servicing requirements tied to Title XXXX programs XXXX CFPB responses failed to address this XX/XX/XXXX forbearance period entirely. Additionally, Nelnet silently removed certain capitalized interest tied to the disputed loan period without explanation while continuing to report delinquency. This selective modification of account components without reconciling status contradictions further undermines the integrity of their investigation. XXXX. Enrollment/ XXXX XXXX XXXX XXXX ( XXXX ) My institutional records reflect XXXX XXXX coded as dropped for nonpayment. NSLDS master data and Nelnet servicing data reflect inconsistent treatment of that academic term. If enrollment status and withdrawal coding differ across : The originating institution NSLDS master federal records Servicer repayment calculations then the derived repayment trigger date may be incorrect. If the repayment trigger date is incorrect, then : Delinquency aging Capitalized interest calculations Repayment status coding Default risk indicators are structurally compromised. This raises serious concerns regarding the foundational validity of the account not merely reporting accuracy. If the underlying repayment trigger is flawed, the entire tradeline lacks reliable foundation. XXXX. Internal Servicing Contradictions ( XXXX XXXX ) During XXXX and XX/XX/XXXX, Nelnet simultaneously issued : Missed payment notices Forbearance-related communications This internal conflict suggests the account was flagged for status review or forbearance processing while delinquency aging continued. Furnishing delinquency under these circumstances demonstrates either : Failure to reconcile internal servicing flags before reporting XXXX furnishing data known to be materially inconsistent Both scenarios implicate XXXX ( b ) reasonable investigation standards. IV. Current Title IV Enrollment Deferment Eligibility I am currently enrolled at an eligible Title IV institution. Under federal regulations, I am entitled to in-school deferment. Any delinquency furnished during : A valid deferment period Or while a properly submitted deferment request is pending is inaccurate and improperly aged. V. Pattern of Inadequate Investigation Nelnet has : Issued boilerplate responses asserting accuracy Failed to reconcile NSLDS conflicts Failed to address the Hurricane XXXX disaster forbearance period Quietly modified certain account elements ( capitalized interest ) without addressing core status disputes Continued furnishing derogatory data despite documented federal inconsistencies This pattern raises concern regarding systemic compliance failure rather than isolated clerical error.

Company response to consumer: Closed with explanation