Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NH

Complaint narrative:
I am writing to dispute certain information regarding late payments on my DEPT OF XXXX / NELNET consumer report, as reported by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), I demand an immediate investigation and removal of these inaccurately reported late payments associated with my account. 

The late payments in question violate the FCRA, particularly Section XXXX, which mandates the maximum possible accuracy of information in a consumer 's file. These inaccuracies also constitute a violation of my rights under the FCRA, which explicitly requires that information reported to credit bureaus must be accurate, verifiable, and reported with the consumer 's permission. 

Moreover, I draw your attention to XXXX ( XXXX ) of the FCRA, which excludes from the definition of " consumer report '' any report containing information solely as to transactions or experiences between the consumer and the person making the report. A late payment is considered a transaction or experience, falling under this exclusion, as defined by XXXX XXXX. XXXX. 

The late payment information reported in connection with the above accounts is considered an experience, falling within the scope of the transactions or experiences that XXXX has excluded from consumer reports. As per the FCRA, you are required to delete the late payments information from the accounts attached. 

Section XXXX ( a ) ( XXXX ) of the FCRA further stipulates that credit reporting agencies XXXX only furnish consumer reports for legitimate purposes, such as credit transactions, employment purposes, or insurance underwriting. I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by XXXX OF XXXX / NELNET. 

Additionally, I bring to your attention the specific provisions in XXXX XXXX XXXX XXXX, which mandates that creditors XXXX not treat a payment on a credit card account as late unless reasonable procedures ensure the delivery of each periodic statement, including required information, to the consumer at least 21 days before the payment due date. 
Your prompt attention to this matter is imperative. 

In accordance with Section XXXX of the FCRA, I demand a thorough investigation into these disputed late payments. I expect written confirmation of the investigation 's completion and details of any actions taken to rectify this matter within XXXX calendar days. 

Failure to respond satisfactorily within the stipulated timeframe will leave me with no option but to take legal action against your company. I will seek damages of {$1000.00} per violation, including but not limited to defamation of character, negligent noncompliance, civil liability, mental anguish, and the FCRA XXXX XXXX. XXXX for violations under willful noncompliance ( Section XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation