Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unfair credit reporting by Nelnet, a servicer acting on behalf of the U.S. Department of Education, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and applicable federal student loan servicing standards. 

On XX/XX/XXXX ; I contacted Nelnet to report a significant reduction in my work hours and imminent risk of layoff, constituting a documented financial hardship. A representative informed me that she placed an administrative forbearance on my account, and told me to immediately apply for the XXXX XXXX XXXX ( XXXX ). She informed me that my payments would be postponed while my application was being reviewed. Come to find out, nothing was notated on my account. I honestly feel like the representative was stressed and didn't know how to work under circumstances. Nelnet still wrongfully sent out monthly statements with a due amount while I was under impression that my application for XXXX WAS BEING REVIEWED!! 

On XX/XX/XXXX I woke up to emails stating my XXXX XXXX had decreased over XXXX points because Nelnet reported my account past due. Based on this communication, I panicked and called Nelnet and applied for an XXXX XXXX ( XXXX ) plan yet again on the phone with another representative. 

My IDR application was approved, with an effective date of XX/XX/XXXX, placing my federal student loans on a $ 0 monthly payment for 12 months, as confirmed by XXXX written approval notice. 

Despite my timely communication, documented hardship, and approved IDR status, Nelnet reported my account as 30 days past due on or about XX/XX/XXXX, causing an immediate XXXX XXXX decline of over XXXX points across all major consumer reporting agencies. 

Since that time, I have submitted multiple formal disputes to Experian, Equifax, and TransUnion regarding this delinquency. Nelnet has continued to verify and furnish this inaccurate information, despite being in possession of records demonstrating my hardship notification, IDR application, and subsequent approval. 

By continuing to furnish a delinquency under these circumstances, Nelnet has failed to : Conduct a reasonable investigation as required under 15 U.S.C. 1681s-2 ( b ) Ensure maximum possible accuracy of information furnished to consumer reporting agencies Refrain from reporting information that is misleading and materially incomplete This inaccurate reporting has caused ongoing and measurable financial harm, including difficulty qualifying for housing and credit products!! 

I am formally requesting : Immediate deletion of the XXXX late payment reported for XX/XX/XXXX from all consumer credit reports Correction of my account history to accurately reflect my Income-Driven Repayment status Written confirmation that all inaccurate information has been permanently removed Supporting documentation, including XXXX XXXX approval letter XXXX XXXX attached.

Company response to consumer: Closed with explanation