Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
CFPB Complaint for Student Loan Reporting Issues Complainant : Name : XXXX XXXX Address : [ Insert Current Address ] Phone : [ Insert Phone Number ] Email : [ Insert Email Address ] SSN ( Last XXXX ) : XXXX XXXX : XX/XX/year> ________________________________________ Company Name : Nelnet ( Department of Education Servicer ) Mailing Address : P.O. Box XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Website : www.nelnet.com ________________________________________ What is the issue? 
Incorrect information on credit report ________________________________________ Description of the Issue ( Details for CFPB ) : I am filing this complaint regarding multiple inaccurate and unverifiable student loan accounts being reported by Nelnet to the credit bureaus ( XXXX XXXX, and XXXX ). These loans are federally backed and fall under the Department of Education. 
I dispute the following accounts, which are reporting XXXX days past due on my credit file, even though payments have been made and no lawful verification of the debt has been provided : ________________________________________ Accounts in Question : XXXX. DEPT OF ED / NELNET Account Number : XXXX * * * * Balance : {$5000.00} Issue : XXXX days past due despite recent payment history. No Master Promissory Note ( MPN ) has been provided. Contradictory reporting across bureaus. 

Reporting Bureaus : XXXX XXXX XXXX XXXX. DEPT OF ED / NELNET Account Number : XXXX * * * * ( XXXX entry with separate terms ) Balance : {$3100.00} Issue : Also shows XXXX day delinquency while listing XXXX XXXX  monthly payments. Again, no MPN or servicing transfer documentation has been provided. 

Reporting Bureaus : XXXX XXXX XXXX ________________________________________ Specific Concerns : I have never received or signed a Master Promissory Note ( MPN ) for either loan, which is required under federal law to verify the legitimacy of the debt. 

There is no clear documentation or chain of custody showing lawful assignment of these loans to Nelnet. 

The accounts reflect contradictory reporting, including recorded payments followed by XXXX delinquencies, which violates the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

The tradelines are causing significant harm to my credit profile, including lowered credit scores and denials of credit access. 

________________________________________ What would be a fair resolution? 
Immediate removal of the disputed accounts from all three credit bureaus unless Nelnet can provide : A signed Master Promissory Note ( MPN ) A complete payment history Full documentation of servicing transfers Correction of all delinquency remarks that conflict with payment activity. 

A written response from Nelnet addressing each item. 

________________________________________ Supporting Documentation Im Providing : Copy of my government-issued ID Proof of current address Credit reports showing disputed accounts Dispute letters submitted to Nelnet and credit bureaus

Company response to consumer: Closed with explanation