Consumer complaint received 2026-02-17 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Nelnet, Inc.
State: NY

Complaint narrative:
First, small correction : its called the Consumer Financial Protection Bureau ( CFPB ). 

They handle complaints about student loans, loan servicers, and credit reporting issues. 





Product : Student Loan Issue : Incorrect information on credit report ( if that's your issue ) Strong Complaint Template You Can Use Copy this and adjust if needed : I am filing this complaint regarding inaccurate reporting of my student loan account. The balance and/or payment history being reported is incorrect and is negatively impacting my credit score.

I have requested validation of this debt and correction of inaccurate information. The servicer has failed to properly investigate and correct the issue.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and correction or removal of any inaccurate reporting.

This inaccurate reporting is causing financial harm and preventing me from accessing fair credit opportunities.

I am requesting : Full investigation Written verification of the debt Correction or deletion of inaccurate information Updated reporting to all credit bureaus Important Strategy If this is about student loans showing late : You can also file disputes directly with : XXXX XXXX XXXX Sometimes disputing through bureaus AND CFPB at the same time puts pressure on them.

Now tell me : Is this about Nelnet?

Is it showing late payments?

Or are you trying to remove the whole account?

Were going to fix this step by step.

remove off my credit So I am requesting removal of this student loan account. However, the information being reported is inaccurate. The payment history and/or account status does not reflect my actual loan status.

I am requesting a full investigation and correction of the inaccurate reporting under the Fair Credit Reporting Act.

Please update the account to reflect the correct status and notify all credit bureaus of the correction.

If this loan is with Nelnet, tell me so I can tailor it stronger.

If your loan is federal, this falls under rules from the U.S. Department of Education.

And if youre filing with the Consumer Financial Protection Bureau, here is a strong complaint you can copy : CFPB Complaint Statement I was approved for full forbearance on my student loan account. During this period, payments were not required.

However, the servicer is reporting late payments and/or a past due balance during the approved forbearance period.

This reporting is inaccurate and in violation of the Fair Credit Reporting Act.

I am requesting removal of the account. I am requesting correction of the payment history and account status to accurately reflect that the account was in full forbearance during the specified period.

I request : Immediate correction of all late or delinquent reporting during forbearance Updated reporting to all credit bureaus Accounts should have been reported as current No late payments should have been added If they reported you late during that freeze, that is incorrect reporting.

Complaint Statement My federal student loan account was placed in an official payment freeze/administrative forbearance. During this period, payments were not required.

However, the servicer reported late payments and/or delinquency during the freeze period.

This reporting is inaccurate. I am not requesting removal of the account. I am requesting correction of all late or past due reporting during the freeze period and updated reporting to all credit bureaus.

That freeze was ordered by the U.S. Department of Education starting XX/XX/XXXX and lasted until payments restarted in fall XXXX. 

During that time : Payments were NOT required Accounts were supposed to be reported as current No late payments should have been added If they marked you late during that freeze, that is incorrect reporting. 

You should file ( or update ) your complaint with the Consumer Financial Protection Bureau using this stronger wording : Strong Complaint Statement My federal student loan account was placed under the official XXXX administrative forbearance beginning XX/XX/XXXX, as directed by the U.S. Department of Education . During this period, payments were not required and accounts were to be reported as current.

However, my loan servicer reported late payments and/or delinquency during the administrative forbearance period.

This reporting is inaccurate and has negatively impacted my credit. I am not requesting removal of the account. I am requesting correction of all late or delinquent reporting during the COVID administrative forbearance period and updated reporting to all credit bureaus. 





Under XXXX XXXX, there was a federal student loan relief plan announced in XXXX. However : The broad {$10000.00} {$20000.00} cancellation plan was blocked by the Supreme Court in XXXX. 






Income-Driven Repayment ( IDR ) adjustments Public Service Loan Forgiveness ( PSLF ) Borrower Defense Total & Permanent Disability discharge If one of those applies and your balance goes to {$0.00}, then it will update on your credit as paid/closed. 

Important Question Are these loans : XXXX? 

Private? 
And are they in : Current status?

Default?

Collections?

Tell me that and Ill tell you the real fastest way to improve your credit without risking fraud or scams.

You said : 3 and 4 ChatGPT said : Perfect Dominique thank you for clarifying.

So your goal is # 3 & # 4 : 3 Fix late payments from the COVID freeze ( or other errors ) 4 Possibly get into a program that reports as current or qualifies for forgiveness This is totally doable and it doesnt involve magically taking loans off your credit, just fixing reporting and making your account accurate.

Heres the step-by-step plan : Step 1 : Correct the Reporting Because your loan was on COVID administrative forbearance, any late payments reported during that period are wrong.

Action : File a complaint with the Consumer Financial Protection Bureau : My federal student loan account was under the official COVID-19 administrative forbearance. During this period, payments were not required. However, my servicer reported late payments and/or delinquency.

I request correction of all late reporting during the forbearance and updated reporting to all credit bureaus. 

Also, send a dispute directly to the credit bureaus XXXX XXXX XXXX XXXX XXXX  with proof : Your forbearance approval email Loan portal screenshot showing freeze dates Step 2 : Get Account Reporting to Current Once corrected, your account will show as current, which improves credit scores immediately.

Even if you cant remove the loan, credit bureaus will no longer mark you late. Thats exactly what you want.

Step 3 : Explore Forgiveness Programs Depending on your situation, you may still qualify for programs like : Income-Driven Repayment ( IDR ) forgiveness After 2025 years, balance forgiven Public Service Loan Forgiveness ( PSLF ) After 10 years of qualifying payments Borrower Defense If your school misled you If approved, your loan will go to {$0.00}, and credit reporting will update as paid/closed.

Dominique, I can write the exact complaint letters for both : CFPB complaint to correct COVID freeze reporting Credit bureau disputes Since your loan was on COVID administrative forbearance, but Nelnet reported late payments, heres exactly what to do. Well focus on correcting the reporting and getting your credit status updated.

Step 1 : CFPB Complaint to Nelnet Use this ready-to-submit template : Subject : Incorrect reporting of student loan during COVID-19 forbearance To Whom It May Concern, I am a borrower with Nelnet. My federal student loan account was placed under the official COVID-19 administrative forbearance from XX/XX/XXXX through XX/XX/XXXX. 

During this period, payments were not required. However, Nelnet reported late payments and/or delinquency on my account. 

This reporting is inaccurate and is negatively impacting my credit. I am requesting removal of the loan, from my account been over 10 year still dont fix I request : Delete off my credit report Updated reporting to all credit bureaus ( XXXX XXXX XXXX XXXX XXXX  Attached are copies of documentation showing my account was in forbearance. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation