Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Re : Update to Existing Complaint Complaint Number : XXXX Complaint Against : Nelnet Account Number : XXXX. Primary Borrower : XXXX XXXX XXXX I am submitting the following additional information to supplement my existing complaint. Several significant developments have occurred since my original filing that materially strengthen my complaint and warrant updated consideration. NEW FACT 1 : NELNET HAD CURRENT CONTACT INFORMATION AND DID NOT USE IT I have since learned that Nelnet had my phone number, email address, and personal references on file, including a friend and my brother, at the time the delinquency was reported. Despite having multiple current and direct means of reaching me, Nelnet made no attempt to contact me by phone, email, or through any reference. All three notices cited as notification attempts, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, were sent regular mail to an address I had vacated in XX/XX/XXXX, between 21 and 27 months before each notice was sent. The current resident at my former address has reliably notified me of all mail received there and has never received or forwarded any Nelnet correspondence. NEW FACT 2 : FORBEARANCE GRANTED DAYS AFTER DELINQUENCY WAS REPORTED A forbearance was granted on this account just days after the delinquency was reported to the credit bureaus. This demonstrates that Nelnet was actively communicating with the primary borrower about her financial hardship at the very time the delinquency was being reported. As the endorser, I received none of that communication despite Nelnet having my phone number, email address, and personal references on file. Had Nelnet made any attempt to contact me, I would have paid the {$120.00} balance immediately or facilitated the forbearance before any reporting occurred. Rather, they chose to destroy my valuable credit. NEW FACT 3 : NELNET NOW ACKNOWLEDGES THE ACCOUNT IS NO LONGER PAST DUE Nelnet has now stated that because the forbearance was granted, they no longer consider this loan past due. This creates a situation in which Nelnet considers the account current, while the credit bureau notation continues to reflect a delinquency that Nelnet itself no longer recognizes as valid. Under the Fair Credit Reporting Act, credit reporting must be accurate, complete, and up to date. Nelnet 's own acknowledgment that the account is no longer past due raises serious questions about whether the continued delinquency notation constitutes inaccurate reporting under the FCRA, and creates a direct obligation to update its reporting to the credit bureaus to reflect the current status. Nelnet reported a delinquency involving just {$120.00} without attempting to use available phone, email, or reference contact information ; granted a forbearance days later; acknowledged the account is now current ; and refuses to remove the resulting credit damage from the report of an endorser they made no meaningful effort to contact. This has caused serious and ongoing harm to my 20-year perfect credit history and my ability to obtain financing. I am requesting that the CFPB require Nelnet to remove the delinquency notation from my credit file with all applicable reporting agencies and to investigate whether this is a systemic practice affecting all endorsers on federal student loans.

Company response to consumer: Closed with explanation