Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
CONSUMER COMPLAINT AGAINST NELNET , INC . Re : Inaccurate Credit Reporting / Furnisher Denial - Account XXXX I. NATURE OF COMPLAINT I am filing this complaint against Nelnet , Inc., an official servicer of Federal Student Aid, regarding what I believe to be inaccurate and materially misleading credit reporting on XXXX federal student loan tradelines. Despite a direct furnisher dispute submitted on XX/XX/XXXX, Nelnet has issued a written denial dated XX/XX/XXXX, declining to make any adjustment to my credit file. I respectfully request the CFPB 's review of this matter. II. ACCOUNT INFORMATION The following Nelnet / U.S. Department of Education tradelines are the subject of this complaint : Account ending XXXX : {$17000.00} Account ending XXXX : {$9100.00} Account ending XXXX : {$6900.00} Nelnet Account Reference : XXXX III. FACTUAL BACKGROUND These XXXX accounts are currently being reported to XXXX, XXXX, and XXXX as open installment obligations with active scheduled monthly payments, past-due balances, and continuing derogatory monthly updates. On XX/XX/XXXX, and again on XX/XX/XXXX, I contacted Nelnet directly regarding these accounts. On both occasions, Nelnet 's representatives informed me that Nelnet can not accept payment, can not service, and can not directly resolve these balances because the accounts are pending transfer to the U.S. Department of Education Default Resolution Group ( DRG ). Separately, I contacted the DRG directly and confirmed that I am actively enrolled in a federal loan rehabilitation agreement. The DRG further confirmed that any accounts transferred after my rehabilitation start date would be incorporated into my existing agreement. The core concern I am raising is as follows : Nelnet 's own representatives have verbally represented that these accounts are pending transfer and can not be serviced or paid through Nelnet. However, Nelnet continues to furnish these accounts to all three major credit bureaus as active, open installment obligations with ongoing scheduled payment obligations and continuing monthly derogatory updates. These XXXX positions appear inconsistent with XXXX another, and that inconsistency is the basis of my dispute. IV. DISPUTE HISTORY AND NELNET 'S RESPONSE On XX/XX/XXXX, I submitted a direct furnisher dispute to Nelnet via certified mail disputing the accuracy of the credit reporting on these XXXX tradelines and requesting that Nelnet investigate the inconsistency between its verbal representations and its current reporting status. On XX/XX/XXXX, I received a written response from Nelnet ( Account : XXXX ) stating that 'no adjustment is needed to your credit file ' and that 'all credit reporting is valid and accurate. ' Nelnet 's letter further cited FCRA provisions that permit furnishers to decline investigation of disputes they characterize as prepared by a credit repair organization, lacking sufficient information, or substantially similar to a previously submitted dispute. I wish to be clear : I am not working with a credit repair organization. This dispute was submitted directly by me, in my own words, based on specific and documented factual concerns about the consistency of Nelnet 's reporting and its own account representations. I believe Nelnet 's invocation of these FCRA exemptions is not an appropriate response to the specific factual dispute I raised. V. IMPACT The continued monthly derogatory reporting on these XXXX tradelines is materially affecting my consumer credit profile at a time when I am actively working to resolve these obligations through the federal rehabilitation program. This reporting is affecting my ability to qualify for housing and necessary vehicle financing for my household and family. VI. REQUESTED RELIEF I respectfully request that the CFPB facilitate a review of this matter and that Nelnet be asked to specifically address the following : Why these XXXX accounts continue to be reported as open, active installment obligations with monthly derogatory updates, given Nelnet 's own representations that it can not service or accept payment on these accounts due to pending DRG transfer ; Whether the credit reporting status of these accounts accurately reflects their current servicing status ; Whether the monthly derogatory updates furnished during the period following Nelnet 's internal transfer threshold are accurate and consistent with the actual account status. I have retained a copy of Nelnet 's XX/XX/XXXX written denial, my XX/XX/XXXX certified mail dispute, and notes from my XX/XX/XXXX and XX/XX/XXXX phone contacts with Nelnet. I am prepared to provide these documents upon request. I am not disputing the existence of the debt, but rather the accuracy and consistency of how these accounts are currently being reported. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation