Consumer complaint received 2026-02-16 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:
I am submitting this complaint regarding inaccurate credit reporting by my student loan servicer and the continued failure to correct clearly documented errors despite repeated disputes over several years. 

In XXXX, my student loans were placed in an approved forbearance status. Despite this, multiple late payments were reported to the credit bureaus during that same period. Late payments reported while an account is in an approved forbearance are inaccurate and misleading. 

Over the past XXXX years, I have repeatedly contacted the loan servicing center and requested correction of these late payments. I provided documentation confirming the forbearance status, including copies sent approximately XXXX years ago. For the last XXXX years, I have continued to follow up and formally request that the late payments be corrected to reflect the account as current during the forbearance period in XXXX. Despite these efforts, the inaccurate reporting remains. 

This ongoing failure to correct inaccurate information is causing substantial financial harm and emotional distress to me and my daughter. As a single parent, my creditworthiness directly affects my ability to secure housing, financing, and maintain financial stability for my family. 

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as follows : Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher of information may not report information that it knows or has reasonable cause to believe is inaccurate. Reporting late payments during an approved forbearance period constitutes inaccurate reporting. 

Under FCRA 623 ( a ) ( 8 ), furnishers are required to conduct a reasonable investigation of disputes submitted directly by consumers. I have submitted multiple disputes and supporting documentation, yet the inaccurate reporting continues.

Under FCRA 611 ( 15 U.S.C. 1681i ), consumer reporting agencies are required to conduct a reasonable investigation of disputed information. Repeated verification of information that conflicts with documented forbearance records raises serious concerns about the adequacy of these investigations.

Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Reporting late payments during a confirmed forbearance period fails to meet this standard. 

Additionally, to the extent any accommodations or payment relief programs were in effect, federal guidance and industry standards require accurate reporting of accounts in forbearance and prohibit misleading delinquency reporting during approved relief periods. 

Despite being placed on notice repeatedly, the servicer has failed to correct the reporting, and the credit bureaus have continued to publish this inaccurate information. 

I am requesting the following resolution : Immediate removal or correction of all late payments reported during the XXXX  forbearance period. 

Updating of the account history to accurately reflect the account as current or in forbearance during that time. 

Written confirmation that corrections have been submitted to all credit reporting agencies. 

A full record of the investigations conducted in response to my disputes. 

This matter has been ongoing for several years, and I am requesting prompt intervention by the Consumer Financial Protection Bureau to ensure compliance with federal law and to prevent further harm to my credit and financial stability.

Company response to consumer: Closed with explanation