Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11138137
Complaint Overview
Complaint ID: 11138137
Company: Nelnet, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Missouri
ZIP Code: 641XX
Date Received: 2024-12-12T12:00:00-05:00
Date Sent to Company: 2024-12-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Date : XX/XX/XXXX Subject : Complaint Regarding Inaccurate and Inconsistent Credit Reporting of Student Loan Account To the Consumer Financial Protection Bureau : I am filing a formal complaint regarding the inaccurate and inconsistent reporting of a closed federal student loan account ending in 8581, previously serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and now overseen by Nelnet and the U.S. Department of Education ( ED ). These issues are ongoing despite multiple attempts to resolve them, and they violate the Fair Credit Reporting Act ( FCRA ). Details of the Complaint 1. Inaccurate and Inconsistent Reporting Across Credit Bureaus The reporting for this closed student loan account is inconsistent and inaccurate across XXXX, XXXX, and XXXX : Account Open Date : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : Not reported Date of Last Activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : Not reported Account Status : XXXX : Transferred XXXX : Paid XXXX : Not reported These discrepancies directly violate FCRA standards for accuracy, consistency, and completeness in credit reporting. 2. Failure to Provide Complete Payment History Despite multiple requests to Nelnet and XXXX, I have not been provided with a complete payment history, including : The dates and details of missed or late payments. The date of first delinquency. The date the account became negative. The dates of last activity and last reporting. Without access to complete and verifiable records, I can not determine the accuracy of the reported information or address these inconsistencies effectively. 3. Suspected Data Loss or Mismanagement XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is no longer in operation, and I believe the transfer of this loan to Nelnet/XXXX may have caused data loss or reporting errors. The continued refusal to provide supporting records or correct the discrepancies further compounds the issue.
Frequently Asked Questions
What is Complaint #11138137 about?
Complaint #11138137 was filed against Nelnet, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-12-12T12:00:00-05:00.
How did Nelnet, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Nelnet, INC.?
Yes, visit the Nelnet, INC. company profile at readthecomplaint.com/company/nelnet-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.