Consumer complaint received 2025-03-12 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: DE

Complaint narrative:
Nelnet reported a XXXX late payment on my student loan account to the credit bureaus without properly notifying me beforehand. As a result, my credit score dropped significantly ( from XXXX to XXXX ), affecting my ability to qualify for a mortgage. 

Nelnet Failed to Provide Proper Notification After discovering the late payment on my credit report, I immediately contacted Nelnet and formally disputed the negative mark. I specifically requested that Nelnet provide verifiable proof that they had notified me before reporting my account as 90 days late. 

I requested the following : Call Logs & Records A complete call history showing timestamps, dates, and phone numbers proving that Nelnet attempted to contact me before reporting the late payment.

Nelnet failed to provide any call logs.

My own phone records show only one call from Nelnetand it occurred after the late payment had already been reported. 
Email Delivery Proof Documentation proving that late payment notices were sent to my email inbox. 

Nelnet failed to provide any email records. 
I checked my email inbox and spam folderthere are no past-due notices from Nelnet. 
Physical Mail Delivery Proof USPS tracking numbers, receipts, or confirmation showing they mailed me a late payment notice.

Nelnet failed to provide any mailing records.

There is no USPS-certified proof that Nelnet ever mailed a past-due notice before reporting the late payment.

Nelnet Online Account Notifications Timestamped records proving when Nelnet placed past-due notices in my online Nelnet account XXXX 

Nelnet falsely claimed that past-due notices were available in my Nelnet account XXXX 
However, I had to create a Nelnet account for the first time after discovering this issue, meaning I could not have seen any notifications before they reported the late payment. 
Nelnet failed to provide timestamped proof of when they posted these notifications. 
Nelnet Failed to Provide Proof to Credit Bureaus I also disputed this late payment with XXXX, XXXX, and XXXX, but the dispute was denied because Nelnet failed to provide them with verifiable proof of proper notification. 

XXXX 's dispute results confirmed that Nelnet did not submit any new evidence to verify the late payment. 
This proves that Nelnet does not have the required documentation to justify reporting my account as 90 days late. 
Harm Caused by This Reporting Error My credit score dropped over XXXX points, from XXXX to XXXX, because of this wrongfully reported late payment. 
This has jeopardized my ability to secure a mortgage and other financial opportunities. 
Nelnet has the power to remove this late payment but refuses to do so. 
Requested Resolution Because Nelnet failed to properly notify me before reporting the late payment, and because they failed to provide any verifiable proof to me or the credit bureaus, I am requesting that : Nelnet immediately remove the XXXX delinquency from my credit reports ( XXXX, XXXX, and XXXX ) XXXX 
Nelnet provide written confirmation that this negative mark has been deleted. 
The CFPB investigate Nelnets failure to provide documentation proving that they notified me before reporting my account as delinquent. 
This late payment should not be allowed to remain on my credit report when Nelnet can not provide proof that they properly notified me. I respectfully request that the CFPB hold Nelnet accountable and require them to remove this inaccurate late payment.

Company response to consumer: Closed with explanation