Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12410117
Complaint Overview
Complaint ID: 12410117
Company: Nelnet, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: New York
ZIP Code: 10550
Date Received: 2025-02-20T12:00:00-05:00
Date Sent to Company: 2025-03-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I hope this letter finds you well. I am writing to address the inaccurate late payment listings on my consumer report, specifically concerning the accounts associated with DPEDNELNET, DPEDNELNET, DPEDNELNET, DPEDNELNET, DPEDNELNET, DPEDNELNET, DPEDNELNET, DPEDNELNET, DPEDNELNET, DPEDNELNET, DPEDNELNET, DPEDNELNET and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, with the reported late payment dated on my credit report. This is my third attempt to resolve this matter amicably. I still noticed discrepancies in the information being furnished on my credit report. It is imperative to acknowledge that various federal laws are in place to safeguard consumer rights and ensure fair business practices. I would like to draw your attention to 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), which explicitly prohibits reporting or treating a payment on an open-ended credit plan as late for any reason. Furthermore, 15 USC 16819 ( B ) stipulates that as a consumer, I must grant permission for the furnishing of information on my behalf. To date, I have not provided such authorization to [ Name of Company Reporting Late Payment ]. Thus, the reporting of late payments without my consent is a violation of consumer protection laws. Additionally, the billing errors identified under 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ), including the creditor 's failure to reflect payments properly on a statement and computation errors, further highlight the inaccuracies in the reported information. As per the Fair Credit Billing Act, the creditor is obligated to notify me at least 21 days before the due date if there are any discrepancies in the statement. Failure to do so renders any late payment designation as a billing error. The following items must be promptly updated to reflect " paid as agreed '' on my consumer report : DPEDNELNET - XXXX, DPEDNELNET - XXXX, DPEDNELNET - XXXX, DPEDNELNET - XXXX, DPEDNELNET - XXXX, DPEDNELNET - XXXX, DPEDNELNET - XXXX, DPEDNELNET - XXXX, DPEDNELNET - XXXX, DPEDNELNET - XXXX, DPEDNELNET - XXXX, DPEDNELNET - XXXX I demand conclusive evidence from the creditor 's records demonstrating that the reported late payments were indeed justified and not the result of billing errors. Your persistent failure to rectify these inaccuracies not only tarnishes my consumer report but also undermines my financial standing. I hereby request that the late payment listings associated with the aforementioned accounts be promptly updated to reflect accurate information or removed entirely. Failure to comply will result in legal action seeking monetary compensation for violations of my rights under 15 USC 1681n civil liability.
Frequently Asked Questions
What is Complaint #12410117 about?
Complaint #12410117 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 2025-02-20T12:00:00-05:00.
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.