Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MS

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute of Inaccurate Student Loan Reporting under FCRA 611 & 623 ( a ) ( 1 ) ( A ) Grounds for Deletion Dear Sir/Madam, I am writing to dispute and request verification and correction of inaccurate information reported regarding my Nelnet student loan account XXXX XXXX  [ insert Account Number ] XXXX XXXX Upon reviewing my credit reports from XXXX XXXX XXXX XXXX, I have identified significant inconsistencies that may negatively impact my creditworthiness. 

XXXX XXXX Discrepancies Identified : XXXX XXXX  | Credit Bureau / Servicer | Term | Delinquency | Last Activity | Last Payment | XXXX Past Due Count | Account Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX across all bureaus. 
XXXX  These discrepancies constitute XXXX XXXX inaccurate, incomplete, or unverifiable information XXXX XXXX under the XXXX XXXX Fair Credit Reporting Act ( FCRA ) 611 & 623 ( a ) ( 1 ) ( A ) XXXX XXXX 

Under FCRA, if a creditor or credit bureau XXXX XXXX can not verify the accuracy of the reported information XXXX XXXX, it is XXXX XXXX  legally required to delete the item XXXX XXXX from my credit report. Therefore, the discrepancies above are XXXX XXXX grounds for deletion XXXX XXXX if verification fails or can not be completed. 

XXXX XXXX  Requested Actions : XXXX XXXX  1. Verify the above student loan account information with Nelnet. 
2. Correct the Term to XXXX XXXX XXXX XXXX XXXX XXXX  for all bureaus. 
3. Verify and correct delinquency status, past due counts, last activity, and last payment dates across all bureaus to accurately reflect my account history. 
4. Provide written confirmation of your findings and any corrections made. 
5. XXXX XXXX  If verification can not be completed, remove the inaccurate reporting from my credit file immediately XXXX XXXX as required by law. 

I have attached supporting documentation, including recent statements and screenshots from my Nelnet account confirming the repayment term, current status, and payment history. 

Please complete your investigation as required by law and provide a written response within the XXXX day timeframe. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation