Consumer complaint received 2024-05-07 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: UT

Complaint narrative:
When I first acquired student loans, my provider was Nelnet. Nelnet transferred all 4 of my loans which totaled an amount of {$19000.00} to XXXX. This transfer was a legitimate transfer of which I received documentation from both Nelnet and XXXX. Once my loans were transferred to XXXX, I began paying on them and have since paid them all off in full. 

On my credit report as published by XXXX only, I can see 4 student loans belonging to Nelnet in the full amount of {$19000.00} which are marked as open/never late and 4 student loans belonging to XXXX in the amount of {$19000.00} which are marked closed, paid in full. Nelnet never closed the accounts or reported this transfer to XXXX ; they have also not updated their reporting since XX/XX/year>. 

I filed three disputes now with XXXX and have provided several documents proving that my loans were transferred and no longer belong to Nelnet ; however, they have claimed that the information provided by the creditor ( Nelnet ) is correct yet nothing has been updated since XX/XX/year>. I have called XXXX over 7 times and was not allowed to speaker to a supervisor since they claimed that the only thing I could do was file a dispute ( which they would inevitably deny again as the same transfer documentation was attached multiple times and it was repeatedly denied before ). They could not provide me with any information regarding how the dispute decision was determined and what additional information/paperwork was needed to prove that those 4 Nelnet loans do not belong on my credit report. 

I have called Nelnet several times and they refuse to close the accounts or provide me with information as to how to close the accounts. They did show me where to find the documentation that further confirmed the transfer to XXXX, but ultimately said it is XXXX and XXXX 's problem. When I called to check on my Nelnet account balance, the automated response said that the 4 loans are closed. 

I explained to Nelnet that my disputes were denied even with the transfer documentation. They refused to allow me to speak to a manager, refused to close the accounts, refused to submit a new report to XXXX that was updated as of XX/XX/year>, and would not provide any further guidance or paperwork to further support the position that the loans were in fact transferred ( which they did confirm multiple times on the phone ). The only help that they could provide was telling me to call XXXX as this was " their problem '' and XXXX as this is a " known issue. '' When I called XXXX, they explained that this is a Nelnet problem and provided me with instructions on how to obtain all 4 letters showing that my loans were paid in full through XXXX and that I was no longer in debt with them. They would not provide me with any documentation that I didn't already have readily available, and when asked what it would take to close those 4 Nelnet accounts ( which Nelnet said was XXXX 's mistake ), they would not provide any further information or reason why these Nelnet loans were still appearing on my credit report. 

Presently, I have another dispute filed with XXXX, a claim with Nelnet, and a claim with XXXX with no luck at removing this from my XXXX credit report.

Company response to consumer: Closed with explanation