Consumer complaint received 2025-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Student Loan Reporting Re : Student Loan Accounts Reported by [ Servicer Name ( s ) : e.g., XXXX, XXXX, Nelnet, or Dept. of Education ] ________________________________________ To Whom It May Concern, I am formally disputing the accuracy and completeness of XXXX or more student loan accounts currently reported under my credit file. The accounts in question are being reported as open, active, delinquent, or with balances owed, despite new federal forgiveness provisions and legal actions mandating the discharge of eligible federal student loans. 
________________________________________ ISSUE Upon reviewing my credit report from all three bureaus, I identified student loan accounts still being reported inaccurately after the XX/XX/XXXX agreement between the XXXX administration and the XXXX XXXX XXXX XXXX ( AFT ). 
According to the XXXX XXXX ( AP ) News article titled XXXX administration strikes agreement with AFT to speed loan forgiveness, the Department of Education is now required to resume loan forgiveness for approximately XXXX XXXX borrowers enrolled in income-driven repayment ( IDR ), Pay As You Earn ( PAYE ), Income-Contingent Repayment ( ICR ), and Public Service Loan Forgiveness ( PSLF ) programs. 

This agreement mandates that eligible borrowers will : Have their balances canceled, Receive refunds for overpayments, and Be protected from taxation on forgiven balances until XXXX. 
Therefore, continued reporting of these accounts as delinquent, active, or past due is factually and legally inaccurate. 
________________________________________ RELEVANT LAW XXXX. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate. 
XXXX. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires credit bureaus to conduct a reasonable reinvestigation of disputed information within XXXX  days. 
XXXX. 15 U.S.C. 1681e ( b ) Mandates consumer reporting agencies to maintain maximum possible accuracy in credit files. 
XXXX. XXXX XXXX and XXXX  Reporting Standards Require furnishers to ensure account statuses reflect current verified information, including loan discharges, forgiveness, and {$0.00} balances. 
XXXX. CFPB Precedent ( AFT v. U.S. Dept. of Education, XXXX ) Reinforces that the government must process eligible loan forgiveness and cease negative reporting tied to discharged federal debt. 
________________________________________ DEMAND In light of the above : XXXX. Immediately investigate and verify the validity of the student loan accounts in question. 
XXXX. Provide copies of all documentation used to verify these accounts, including : o The Master Promissory Note ( MPN ) signed by me. 
o A Chain of Custody showing who currently owns or services the loan. 
o Verification of payment history and forgiveness status from the U.S. Department of Education. 
XXXX. If such verification can not be provided within XXXX  days, these accounts must be deleted in full under 15 U.S.C. 1681i ( a ). 
XXXX. I also request that your agency provide written confirmation of all deletions or corrections once the reinvestigation is complete. 
________________________________________ NOTICE OF LIABILITY Please be advised that continued reporting of inaccurate or unverifiable student loan data may constitute willful noncompliance under 15 U.S.C. 1681n, exposing your organization and the furnisher to statutory damages, attorneys fees, and potential legal action. 

Thank you for your prompt attention to this matter. I expect a complete reinvestigation and written results within XXXX days as required by federal law. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation