Consumer complaint received 2026-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute a negative mark on my credit report and to resolve inaccurate student loan reports due to hurricane relief. This is Related to a delinquent student loan payment, which resulted in a significant drop of XXXX points in my credit score. I would like to explain the circumstances surrounding this issue. At the time the payment became past due, I was in the process of recovering from the effects of XXXX XXXX. Due to this disaster, I experienced extended disruptions, including loss of WiFi and communication services. XXXX XXXX damage resulting in early evacuation. As a result, I did not receive or aware of any notifications or updates regarding my student loan payment status and was unaware of how far past due the account allegedly had become I want to emphasize that I had the financial means to pay off this obligation in full during that time. Had I not been distracted facing challenges due to XXXX XXXX and properly informed of the due dates or delinquency status, I would have promptly made the required payments without hesitation. As soon as I became aware, I immediately investigated the issue and took swift action to resolve it. Before Properly fighting these inaccurate reports, I have since paid all outstanding delinquent amounts in full in order to avoid a huge hit on my credit report again. I can provide documentation and proof of these payments, along with evidence supporting the circumstances related to the disaster recovery period. The XXXX issue that needs be resolved is my account status during XXXX XXXX and inaccurate reports that were placed during this time. My account was placed into forbearance in XX/XX/XXXX due to delinquency ; however, it should have been placed into disaster-related administrative forbearance from XX/XX/XXXX to XX/XX/XXXX in connection with federally declared hurricane relief. Under the Higher Education Act of 1965 and its implementing regulations ( including 34 C.F.R. 682.211 and 685.205 ), federal student loan servicers are required to administer forbearances and other relief measures in accordance with applicable federal guidance. Additionally, guidance issued by the U.S. Department of Education in response to federally declared disasters authorizes and directs servicers to apply administrative forbearance to affected borrowers and to prevent adverse credit consequences during qualifying relief periods. The failure to apply the appropriate disaster forbearance from XX/XX/XXXX to XX/XX/XXXX resulted in an inaccurate delinquency designation. My student loan Account was marked past due on XX/XX/XXXX when my account should have been in a 90 day forbearance status starting XX/XX/XXXX. In this case I should have been spared 3 months in order repair damage and to get back on my feet, meaning my new due date to start my payments up again, should have been on XX/XX/XXXX! The inaccurate delinquency on that date accrued interest that Ive had to pay as well so a reimbursement of those fees will be enforceable as well. This constitutes improper servicing and inaccurate reporting of my account status during a period in which my payment obligations should have been suspended. I did not have control over my payment standing during this time due to the disaster relief protections that should have been applied. Given these exceptional circumstances, I respectfully request that you review my case and consider removing or adjusting the negative reporting associated with this incident as a goodwill adjustment. This situation was not due to negligence, but rather unforeseen and unavoidable disruptions caused by a natural disaster. I value maintaining a strong and responsible credit history, and I kindly ask for your understanding and consideration in this matter. Thank you for your time and attention. Accordingly, I demand the following corrective actions : 1. Retroactive application of disaster-related administrative forbearance for the applicable months. 2. Removal and correction of any delinquency, late payment history, or negative credit reporting associated with this period. 3. Written confirmation that my account has been brought into compliance with all applicable federal statutes, regulations, and disaster relief directives. Sincerely, [ XXXX XXXX XXXX ] XXXX XXXX

Company response to consumer: Closed with explanation