Consumer complaint received 2026-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Nelnet regarding inaccurate, inconsistent, and unlawfully reported late payment information across multiple federal student loan accounts. I have already filed complaints with the Federal Trade Commission ( FTC ), my State Attorney General, and the Federal Student Aid ( FSA ) XXXX  XXXX due to the seriousness and ongoing nature of these violations. 
The affected accounts include, but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nelnet reported materially different delinquency statuses for the same accounts during the same months across XXXX XXXX XXXX XXXX. For example, during XXXX and XX/XX/XXXX, the same Nelnet accounts were reported as XXXX  days late with XXXX credit bureau, while being reported as paid on time, not delinquent, or not reported at all with the others. In later months, delinquency levels escalated inconsistently ( XXXX vs. XXXX late ), again differing by bureau. These reports can not all be accurate at the same time. 
In Nelnets written response, they stated that they furnish the same data to all consumer reporting agencies and claimed to have reviewed the accounts for accuracy. However, despite admitting they are the data furnisher, Nelnet failed to reconcile or correct the contradictory reporting and instead improperly instructed me to dispute the inaccuracies with the credit bureaus. This is unacceptable. As the furnisher, Nelnet is responsible for ensuring that the information it reports is accurate, complete, and consistent, and for correcting inaccuracies after dispute.

Nelnets actions violate FCRA 623 ( a ) ( 1 ) ( A ) by furnishing information that is not accurate or consistent, and FCRA 623 ( b ) by failing to conduct a reasonable investigation and correct the inaccuracies after receiving notice of dispute. Directing a consumer back to the credit bureaus while knowingly furnishing contradictory data constitutes a failure to comply with these obligations. Additionally, these actions violate Metro 2 reporting standards, which require furnishers to report uniform, complete, and verifiable data across all consumer reporting agencies. 
Further, Nelnet has failed to demonstrate that I was properly notified that my loans exited deferment or entered repayment prior to negative credit reporting. The billing statements they provided are dated XXXX and XX/XX/XXXX and do not establish notice XXXX days prior to the reported delinquencies, which would have required notice in or before XX/XX/XXXX. Reporting XXXX late statuses without proper notice is inaccurate and misleading. 
This was not an isolated issue. Over XXXX XXXX federal student loan borrowers nationwide experienced credit reporting harm during the repayment restart and servicing transition period. Nelnets response ignores this systemic failure and relies on conclusory statements rather than evidence. 
I am calling on the CFPB to hold Nelnet accountable for furnishing inaccurate and inconsistent credit information, failing to correct errors after dispute, and improperly shifting responsibility to the credit bureaus. If Nelnet can not verify accurate, consistent reporting and proper notice for the accounts listed above, the late payment reporting must be corrected or removed.

Company response to consumer: Closed with explanation