Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute of Inaccurate Reporting  DEPT OF EDUCATION/NELN XXXX XXXX XXXX  To Whom It May Concern:XXXX  I am disputing the XXXX XXXX  90-day late reported on my accounts for DEPT OF \nEDUCATION/NELN XXXX XXXX  This entry is false, misleading, and XXXXunlawfulXXXX Timeline of Facts and Evidence:\n 1. On XXXX XXXX XXXX Nelnet sent me a prefilled Income-Driven Repayment (IDR) \napplication confirming I was being placed in the program (Exhibit B-1).\n 2. My account was in approved Natural Disaster Forbearance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (Exhibit B-3).\n 3. My credit report shows 'ND' (No Data) for XXXX XXXX, indicating I was not in active \nrepayment status (Exhibit C-1).\n 4. In early XXXX XXXX, Nelnet agents told me I was 83 days late. I explained that I believed \nI was in IDR. A supervisor confirmed this error but refused to correct it. Neither agent \nadvised me of the proper steps or placed me in forbearance.\n 5. In XXXX XXXX, another supervisor admitted the XXXX  agents should have placed me in \nforbearance and resent my IDR packet. Their failure caused the false delinquency to be \nfurnished (Exhibit B-5).\n 6. Despite this, Nelnet reported a 90-day late in XXXX XXXX dropping my credit score \nXXXX  points. Immediately after, on XXXX XXXX XXXX Nelnet approved a general \nforbearance through XXXX XXXX (Exhibit B-4).\n 1\nWhy This Reporting Violates the Law:- FCRA 607(b): Bureaus must assure maximum possible accuracy. Reporting this late \nafter months of ND and overlapping forbearances is inaccurate.- FCRA 623(a)(1)(A): Furnishers cannot report data they know or should know is \ninaccurate. By XXXX XXXX XXXX  Nelnet had actual knowledge of the mishandling.- FCRA 623(b): Furnishers must reasonably investigate disputes. Nelnets own \nsupervisors admitted error.- CFPB Servicing Rules (12 C.F.R. 1024.38 & 1024.39): Servicers must maintain \npolicies to prevent errors and provide accurate information. Nelnet failed.- DOE Servicer Standards: Department of Education required servicers to prevent harm \nduring repayment restart and IDR processing. Nelnet violated these standards.\n Requested Relief:\n 1. Delete the XXXX XXXX 90-day late.\n 2. Update the tradeline to reflect Current / Never Late.\n 3. Provide the method of verification under FCRA 611(a)(6)(B)(iii).\n If this is not corrected XXXX.\n Exhibits Enclosed:- Exhibit A: Identity & Address (Drivers License, Proof of Address)- Exhibit B-1: Prefilled IDR Application XXXX XXXX)- Exhibit B-2: Paid in Full Letter (XXXX XXXX)- Exhibit B-3: Natural Disaster Forbearance XXXX XXXX- Exhibit B-4: General Forbearance Approval (XXXX XXXX XXXX XXXX  Exhibit B-5: Call notes / summaries of Nelnet admissions XXXX XXXX XXXX XXXX- Exhibit C-1: Credit Report showing ND months and XXXX  90-day late- Exhibit D: Certified Mail Receipts\n SincerelyXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation