Consumer complaint received 2026-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I respectfully request reconsideration of Nelnet 's response to my complaint. My dispute was not a goodwill request. I am challenging the fairness and accuracy of the delinquency reporting and whether sufficient notice was provided before such reporting occurred. The delinquency arose following the expiration of a forbearance period and changes to federal student loan repayment requirements. At no point did I knowingly disregard my repayment obligations. Rather, I was unaware that my account had entered a status that could result in negative credit reporting because I did not receive correspondence advising me that repayment had resumed, that payments were due, that my account was becoming delinquent, or that negative credit reporting would occur. In its response, Nelnet stated that my dispute was incomplete, invalid, or a goodwill request. However, this characterization does not address the substance of my complaint. My concern is whether reasonable and effective notice was provided before derogatory information was furnished to the credit reporting agencies. Nelnet also stated that the name on my complaint did not match its records. My student loans originated many years ago under my maiden name. However, I have maintained the same residential address throughout the life of these loans. If a name discrepancy existed, I believe reasonable efforts should have been made to verify my identity and investigate my concerns rather than dismissing the dispute without addressing its merits. Because I have maintained the same address, I am requesting evidence demonstrating that any communications regarding repayment resumption, payment obligations, delinquency status, or impending credit reporting were actually sent to the correct contact information associated with my account. If Nelnet contends that proper notice was provided, I request documentation supporting that position, including : XXXX. Copies of all notices allegedly sent regarding the end of any forbearance period and the resumption of required payments. XXXX. The dates each notice was sent. XXXX. The mailing address, email address, telephone number, or other contact information used for each communication. XXXX. Documentation showing that Nelnet had my correct contact information at the time the notices were sent. XXXX. Documentation demonstrating that reasonable efforts were made to notify me before reporting the account as delinquent to the credit reporting agencies. XXXX. The specific basis for concluding that the delinquency reporting was accurate and appropriate despite the absence of evidence that I received notice. The reported delinquency has caused substantial damage to my credit profile, including an approximate XXXX decline in my credit score. Given the severity of this impact, I believe a meaningful investigation is warranted. A reporting action with such significant consequences should be supported by clear evidence that the borrower received adequate notice and an opportunity to address the account before derogatory information was furnished. Furthermore, if Nelnet 's records contained outdated identifying information related to my maiden name, this raises additional concerns regarding whether borrower communications and outreach efforts were properly directed and whether sufficient steps were taken to ensure that important account information reached me. I am willing to provide any documentation necessary to verify my identity and establish the connection between my maiden name and current legal name. However, I respectfully request that Nelnet conduct a substantive investigation into the facts and circumstances surrounding this reporting rather than dismissing the matter based on a name discrepancy or characterizing it as a goodwill request. Given the circumstances surrounding the transition from forbearance to repayment, my longstanding residence at the same address, the absence of received notice, and the significant impact of the reporting, I respectfully request that Nelnet reconsider its position and review whether the delinquency reporting should be corrected or removed. Thank you for your time and consideration.

Company response to consumer: Closed with explanation