Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am filing this complaint against the Department of Education/Nelnet for furnishing inaccurate, inconsistent, and unverifiable information to XXXX in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ). Nelnet is currently reporting three student loan accounts on my XXXX credit report ( Account Number XXXX, original balances of {$200.00}, {$1100.00}, and {$1700.00}, all opened in XXXX ) with a combined total of XXXX late payments each showing XXXX and 120 day late notations dating back to XXXX through XXXX. I have identified the following material inaccuracies and inconsistencies in how these accounts are being reported : The identical accounts reported by Nelnet on XXXX show no negative payment history whatsoever. XXXX reports all three accounts as paid and closed with no late payments. XXXX reports all three accounts as paid, closed, and never late. Yet XXXX is reporting XXXX late payments per account with XXXX and 120 day late notations on all three. The same accounts furnished by the same furnisher can not have a clean payment history on XXXX bureaus and XXXX late payments per account on a third bureau simultaneously. This direct contradiction between bureau reports on identical accounts is conclusive evidence that the information being furnished to XXXX is inaccurate. All three accounts on XXXX have been previously disputed and in each case the dispute was resolved with the consumer disagreeing with the outcome. Despite these prior disputes Nelnet has continued to furnish the same inaccurate late payment information to XXXX without correction. Under 15 U.S.C. 1681s-2 ( b ) a furnisher that has received notice of a dispute is obligated to conduct a thorough investigation and correct any information found to be inaccurate. The continued reporting of this disputed information without correction suggests that Nelnet has failed to meet this obligation. The late payment notations being reported on XXXX include XXXX and 120 day late designations dating back to XXXX through XXXX. These same derogatory notations do not appear on either XXXX or XXXX for the identical accounts. A furnisher is required to report accurate information consistently across all consumer reporting agencies. The selective and inconsistent reporting of late payment history to only XXXX bureau while reporting clean payment history to the other XXXX is a direct violation of the FCRA 's accuracy and consistency requirements. XXXX of the XXXX accounts ( original balance {$1100.00}, opened XX/XX/XXXX ) shows a current balance of {$1500.00} on XXXX despite the account being reported as closed and paid or paying as agreed. This balance discrepancy is not reflected on either XXXX or XXXX and has not been verified with complete documentation. All three accounts on XXXX carry the comment " Dispute resolved ; customer disagrees '' confirming that these accounts have been through the dispute process and that the consumer has consistently maintained that the information is inaccurate. Nelnet 's continued furnishing of this disputed information without adequate investigation and correction is a violation of its obligations as a furnisher under the FCRA.

Company response to consumer: Closed with explanation