Consumer complaint received 2025-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Nelnet because they are furnishing highly inaccurate, inconsistent, duplicated, and unverifiable information to all three major credit reporting agencies ( Experian, Equifax, and TransUnion ) regarding my Department of Education student loan accounts. 

My credit reports dated XX/XX/XXXX, consistently show XXXX different DEPT OF ED / NELNET accounts ( all ending in XXXX XXXX XXXX XXXX XXXX, with individual sub-account numbers such as XXXX XXXX XXXX XXXX, etc. ) as 'Over 120 Days Past Due. ' This is despite 'Last Payment ' dates reported as XX/XX/XXXX, or XX/XX/XXXX. It is highly improbable for payments to have been made if the accounts are simultaneously reported as so severely delinquent and also show a consistent " {$0.00} ' or blank for 'Actual Payment Amount ' or 'Paid. ' Furthermore, there are numerous inconsistencies : Balances, delinquencies, and due dates vary wildly and illogically across the three credit bureaus for what appear to be the same underlying loans.

Multiple loan entries appear to be duplicated or incorrectly split, creating a false and inflated representation of my student loan obligations. 

My XXXX  report shows " X ' ( Unknown ) ratings for several months in the payment history, highlighting missing or unclear data that contributes to inaccuracy and negatively impacts my XXXXredit score.

I have formally disputed these inaccuracies multiple times with the credit bureaus ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My reports from these bureaus include remarks such as 'Completed investigation of FCRA dispute consumer disagrees ' ( XXXX  ), 'Consumer Disputes- Reinvestigation in Process ' ( XXXX  ) XXXX and XXXX ( Dispute resolved/consumer disagrees ) or DRG ( Dispute resolved reported by credit grantor ) ' ( TransUnion ). The persistence of these severe delinquency statuses and inconsistent information, even after multiple formal disputes marked with 'consumer disagrees ' outcomes, clearly indicates a critical failure in Nelnet XXXX reinvestigation process and their duties as a furnisher. This suggests they are not conducting genuinely 'reasonable ' reinvestigations as required by federal law, and are repeatedly furnishing inaccurate or unverifiable data. 

On XX/XX/XXXX, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these ongoing credit reporting errors, including these Nelnet/Dept of Ed accounts . Despite that formal complaint, the severe inaccuracies and inconsistencies outlined above still remain uncorrected on my credit reports.

I have provided supporting documents to the credit reporting companies, including a 'Consolidated Credit Report Discrepancy Summary ' table, which meticulously details these inconsistencies. I requested that all unverified or inaccurate entries be removed from my file. They have failed to do so, and the damaging misinformation continues to be reported. 

Due to Nelnet 's persistent failure to rectify these critical errors, even after my direct disputes and a prior CFPB complaint, I am also escalating this matter to the California Attorney General for remedy.

Company response to consumer: Closed with explanation