Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
I am filing this complaint to request intervention regarding Nelnets inaccurate credit reporting of a 90-day delinquency on my federal student loan account reported in XX/XX/XXXX. 
Despite my efforts to resolve this through the XXXX XXXX XXXX Nelnet has failed to consider the full context and protections available to me under federal regulations. I am seeking assistance from the CFPB to have this matter fairly reviewed and corrected. 

Nelnet reported my loan as 90+ days delinquent in XX/XX/XXXX, which has negatively impacted my credit report. 
However, I was : * Unemployed from late XXXX through XX/XX/XXXXXXXX XXXX Accepted and enrolled in a XXXX  program at the XXXX XXXX XXXX XXXX, with coursework beginning XX/XX/XXXXXXXX XXXX XXXX Caring for my XXXX, XXXX  XXXX  grandmother in XXXX between XXXX and XX/XX/XXXXXXXX  ( including funeral ), who passed away in XXXXXXXX XXXX Eligible for in-school deferment under federal law * Receiving little to no communication due to an outdated phone number on file and emails going to spam 1. Unemployment & Economic HardshipI was unemployed from XX/XX/XXXXXXXX  through XX/XX/XXXX. I can provide supporting documents including a separation letter and proof of lack of income. I was in a position of financial hardship and would have requested deferment or forbearance had I received proper notice of delinquency. 
XXXX. Delay in School Start Due to Family Emergency & School ScheduleI originally planned to start school in XX/XX/XXXX, which would have automatically qualified me for in-school deferment. However, I was forced to delay my enrollment to Fall XXXX because I was in XXXX caring for my XXXX grandmother, who was both XXXX and battling XXXX. She passed away in XX/XX/XXXX, and I have funeral documentation to verify this.Additionally, my academic program did not offer summer start dates, and the Fall XXXX semester was the earliest I could resume. I was accepted into the program prior to the delinquency and had every intention of continuing my education. 
3. Lack of Communication from NelnetThe phone number on file was outdated, and I received no live calls. Most of the communications from Nelnet went to my spam folder, which I was unaware of. I did not receive any formal notice indicating I was nearing 90 days past due and only learned of the credit reporting after the fact. 
4. Federal Law on In-School DefermentAccording to 34 CFR 682.210, borrowers enrolled at least half-time in a qualified program are eligible for in-school deferment. I was enrolled and preparing for my Fall XXXX start date when Nelnet chose to report the delinquency instead of honoring the deferment protections that come with enrollment. 


I am asking the CFPB to intervene and request that Nelnet : 1. Remove or amend the XX/XX/XXXX delinquency from my credit report, given my documented unemployment, school enrollment, and personal hardship. 
2. Acknowledge their failure to communicate appropriately, which deprived me of a chance to resolve this issue before it escalated.

3. Apply in-school deferment retroactively to reflect my legitimate eligibility and intentions as a student borrower. 
This delinquency is not reflective of my intent or good-faith efforts to remain compliant. I am fully enrolled now and wish to continue in good standing without the burden of an inaccurate credit blemish that could have been avoided with proper communication and compassion. 
Thank you for your time and assistance. I am happy to provide : * Unemployment documentation * Enrollment letter from XXXX XXXX XXXX XXXX  XXXX Clearinghouse which is already in process ) * Funeral documentation for my grandmother Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation