Consumer complaint received 2026-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I respectfully disagree with Nelnets conclusion to my most recent closed complaint that the credit reporting furnished in connection with my account was complete, accurate, or not misleading under the Fair Credit Reporting Act ( FCRA ). 

While Nelnet states that it does not furnish late payment data until an account reaches 90 days past due, my consumer credit reports reflect a XXXX delinquency for XX/XX/year>, which directly contradicts the explanation provided in your response. Reporting a XXXX late payment while simultaneously asserting that such data is not furnished until 90 days past due renders the information materially misleading, even if internally consistent with XXXX servicing system. 

Under 15 U.S.C. 1681e ( b ) and 1681s-2, furnishers are required not only to report data that is technically accurate, but also to ensure the information is not misleading or incomplete in a way that adversely affects the consumer. The presence of a XXXX late mark regardless of how it is characterized internally resulted in a credit score decline of more than XXXX points and continues to cause financial harm. 

Additionally, Nelnet acknowledges that my account was approved for forbearance effective XX/XX/year>, following prior communication regarding financial hardship and a pending Income-Driven Repayment application. This confirms that my delinquency occurred during a documented hardship and administrative review period, yet the reporting does not reflect this context and instead presents the account as a standard delinquency. 

Nelnet further states that it attempted to contact me by phone, email, and postal mail prior to reporting the delinquency. I have no record of receiving phone calls, voicemails, or written notices during the period referenced. No call logs, correspondence, or delivery confirmations have been produced to substantiate this claim. Absent such documentation, this assertion does not cure the misleading nature of the credit reporting nor demonstrate that a reasonable investigation was conducted as required under 15 U.S.C. 1681s-2 ( b ).

Courts and regulators have consistently recognized that credit reporting may be inaccurate under the FCRA where it creates a misleading impression, even if based on factual events. Continued verification of this negative mark after dispute therefore raises serious concerns regarding the adequacy of the investigation performed. 

Accordingly, I am requesting that Nelnet : Delete the XX/XX/year> delinquency from all consumer reporting agencies due to materially misleading reporting ; Correct my credit file to reflect my account as current and in good standing following approved relief ; Provide written confirmation that the negative information has been permanently removed and will not be re-reported. 

If Nelnet maintains its position, please provide specific documentation, including : The exact Metro 2 reporting codes furnished to each consumer reporting agency for XXXX and XX/XX/year> ; and An explanation of how those codes comply with Nelnets stated policy of not furnishing delinquency data prior to 90 days past due. 

This response is submitted to fully preserve my dispute and rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation