Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13817081
Complaint Overview
Complaint ID: 13817081
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: Arizona
ZIP Code: 85085
Date Received: 2025-05-30T12:00:00-05:00
Date Sent to Company: 2025-05-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My federal student loan, serviced by Nelnet ( Account # XXXX ), has been reported 150 days delinquent due to missed payments. However, I was not personally notified of the delinquency, and Nelnet was using my parents contact information, not mine, despite the loan being in my name. This breakdown in communication, combined with federal policy confusion around the loan pause and forgiveness programs, resulted in an unintentional delinquency. Since loan repayment began, my parents were making the payments from their own account under an agreement we made when I attended college. I had no reason to believe payments had stopped or become past due, as everything was handled outside my own banking systems and communication channels. I immediately brought the account current upon learning of the issue. Prior to this incident, I had a spotless payment record. I have requested a goodwill removal of the late marks from Nelnet, but was told they do not accommodate such requestseven when the reporting is the result of a communication failure during a federally paused period. I am seeking the CFPBs help to request that Nelnet reconsider this situation and remove or revise the negative credit reporting. This has caused an unnecessary and avoidable drop in my credit score during a key stage of my financial life.
Frequently Asked Questions
What is Complaint #13817081 about?
Complaint #13817081 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 2025-05-30T12:00:00-05:00.
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.