Consumer complaint received 2026-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
XXXX is reporting multiple separate student loan tradelines under the same account number ( XXXX ) with different open dates, balances, and statuses. That is not permissible under the FCRA or XXXX XXXX unless each tradeline represents a distinct loan with a unique identifier. XXXX can not lawfully report multiple accounts under XXXX identical account number. 
This is a material accuracy and duplication violation. 

XXXX is violating : FCRA XXXX ( b ), XXXX XXXX XXXX ( b ) failure to assure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) failure to properly reinvestigate disputed information FCRA XXXX ( a ) ( XXXX ) furnisher XXXX not report inaccurate or misleading information XXXX XXXX XXXX XXXX XXXX XXXX each tradeline must have a unique account number and XXXX not be split or duplicated XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX duplicate tradelines constitute inaccurate reporting XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX reporting that is technically correct but misleading violates the FCRA What makes these tradelines invalid Same creditor : Dept of Education XXXX Nelnet XXXX account XXXX XXXX all tradelines Different : Open dates ( XXXX, XXXX, XXXX, XXXX ) Balances ( {$0.00} to {$67000.00} ) Statuses ( Closed vs Open ) This creates false debt inflation and misrepresents credit risk XXXX  must delete, not correct, duplicated tradelines. 
Email XXXX Subject Delete Repeated Account Number Formal FCRA Dispute Duplicate Student Loan Tradelines Sharing Identical Account Number To XXXX XXXX XXXX XXXX XXXX, I am formally disputing inaccurate and unlawful reporting on my XXXX  credit file involving multiple student loan tradelines reported by XXXX XXXX XXXX XXXX Nelnet. 
XXXX is currently reporting multiple separate tradelines that all bear the exact same account number : XXXX. These tradelines list different open dates, balances, and account statuses, yet reference the same account number. This constitutes duplicate and misleading reporting in violation of federal law. 
Each of the following tradelines must be deleted in full, as XXXX XXXX not lawfully report multiple accounts under XXXX identical account number : XXXX XXXX XXXX XXXX Nelnet opened XX/XX/XXXX closed XXXX XXXX XXXX XXXX Nelnet opened XX/XX/XXXX closed XXXX XXXX XXXX XXXX Nelnet opened XX/XX/XXXX closed XXXX XXXX XXXX XXXX Nelnet opened XX/XX/XXXX open Under XXXX XXXX. XXXX ( b ), XXXX is required to maintain maximum possible accuracy. Reporting multiple tradelines under the same account number is materially inaccurate and misleading. This practice also violates XXXX XXXX reporting standards, which require each tradeline to have a unique account identifier. 
Further, under XXXX XXXX. XXXX ( a ), XXXX must conduct a reasonable reinvestigation. Re-verifying duplicated tradelines without resolving the identical account number issue does not satisfy this requirement. 
Courts have consistently held that duplicate tradelines constitute inaccurate reporting, including XXXX XXXXXXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX misleading but technically correct reporting was deemed unlawful under the FCRA. 
Because these tradelines all reference the same account number, only XXXX tradeline could exist at mosthowever, given the conflicting data, none can be verified as accurate. Therefore, deletion of all associated tradelines is required. 
Please complete deletion within the statutory timeframe and provide written confirmation. Failure to delete these violations XXXX result in complaints filed with the CFPB, XXXX Attorney General, and pursuit of civil remedies under XXXX XXXX. XXXX and XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Method of Verification ( MOV ) demand

Company response to consumer: Closed with explanation