Consumer complaint received 2025-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX [ XXXX : XX/XX/XXXX XX/XX/XXXX RE : Dispute of Unverified Student Loan Accounts Immediate Deletion Requested To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq., regarding the reporting of student loan accounts associated with Nelnet on my XXXX XXXX XXXX XXXX credit files. 

1. ISSUE : Lack of Verification of a Signed Master Promissory Note ( MPN ) Relevant Law : As per XXXX U.S.C. XXXXi ( a ) ( 1 ) ( A ), a credit reporting agency must conduct a reasonable reinvestigation upon receiving a dispute concerning the completeness or accuracy of any item in my file. Additionally, under XXXX U.S.C. XXXXe ( b ), the CRA must ensure the maximum possible accuracy of the information it reports. 

Demand : I am requesting the immediate deletion of the referenced student loan accounts from my XXXX credit file unless the data furnisher can provide the original, wet-ink signed Master Promissory Note ( MPN ) that establishes a valid, enforceable obligation in my name. Electronic reproductions or summaries are insufficient, especially when the debt is disputed. If no original contract exists to validate the alleged debt, these tradelines should be removed. 

2. ISSUE : Failure to Verify Current Status Forbearance or Administrative Hold Relevant Law : According to XXXX U.S.C. XXXX ( b ), the information furnisher is legally obligated to investigate any disputed information and correct or delete any data found to be inaccurate or unverifiable. If any of these loans are currently in forbearance, deferment, or non-repayment status due to federal policy changes, this status must be accurately reflected in the reporting. Failure to provide this information constitutes inaccurate reporting and may lead to the removal of the negative entries. 

3. ISSUE : Potential Violations Related to Loan Servicing Practices I would also like to bring to your attention that certain practices used by loan servicers may be in violation of federal regulations, including improper notifications of payment due dates, failure to apply payments correctly, or reporting negative information without conducting the necessary due diligence. Any such violations further bolster my request for the deletion of these accounts. 

4. ISSUE : Reporting Errors I have reviewed my credit report and noticed discrepancies that include [ list any specific incorrect details, like wrong balance, dates, or payment history ]. These inaccuracies not only misrepresent my financial status but also violate the FCRA guidelines. 

5. * * Request for Additional Documentation * * Failure to produce any evidence, such as the original MPN, or to verify my claims within the legally allotted time, constitutes grounds for immediate removal of these accounts from my credit report. I expect a full investigation and response within 30 days pursuant to the FCRA. 

Thank you for your immediate attention to this matter. I kindly ask for confirmation of receipt of this dispute letter and a detailed follow-up regarding your findings and actions taken. Please feel free to contact me at ( XXXX ) XXXX or XXXX should you require any further information or documentation. 

Carpe diem, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation