Student loan -- Incorrect information on your report -- Complaint #13832698
Complaint Overview
Complaint ID: 13832698
Company: Nelnet, INC.
Product: Student loan
Sub-Product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Illinois
ZIP Code: 60628
Date Received: 2025-06-01T12:00:00-05:00
Date Sent to Company: 2025-06-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing Nelnets attempt to collect on a student loan that no longer exists. I disputed the account with all three credit bureaus in XXXX, and by XXXX, it was confirmed closed/removed. Nelnet has failed to provide proper debt validation despite multiple requests in XXXX and XXXX. The U.S. Department of Education and my credit reports reflect the account is no longer valid. Nelnets continued collection attempts violate the Fair Debt Collection Practices Act ( FDCPA ). I have attached proof of my dispute and credit report results. I am requesting CFPB investigate this matter and ensure Nelnet stops contacting me about an invalid account. Activity Timeline below : XX/XX/XXXX - First Debt Validation Packet to Nelnet and the XXXX Department of Education ( both certified mail ) XX/XX/XXXX - Credit Dispute via XXXX XXXX XXXX XXXX - Credit dispute on all School loans accepted via XXXX XX/XX/XXXX - NELNET Phone Call to me ( missed ) XX/XX/XXXX - NELNET return Phone Call from me to get information and validation - confirmed credit companies update Nelnet on accounts at the end of the month, asked for validation and the rep hung up on me. XX/XX/XXXX - Documenting the Process on how I asked for Validation XX/XX/XXXX - Sent Final letters of notice to remove the debt and a cease/desist to Nelnet via certified mail XX/XX/XXXX - Nelnet Called twice/ Answered twice but no one responded and Nelnet hung up both times XX/XX/XXXX - Received another debt collection letter XX/XX/XXXX - Called Nelnet to get assumed loan amount and see why was it wasn't reflecting closed account, confirmed with the rep that they did receive the first letter but never responded. XX/XX/XXXX - Called XXXX to get the amount and see the disruption - Lady was really rude XX/XX/XXXX - Sent Nelnet a digital copy of proof the alleged student loan was no longer on my credit report via all three credit reports and XXXX XXXX XX/XX/XXXX - Filed a complaint with the CFPB
Frequently Asked Questions
What is Complaint #13832698 about?
Complaint #13832698 was filed against Nelnet, INC. regarding Student loan specifically about Incorrect information on your report. It was received by the CFPB on 2025-06-01T12:00:00-05:00.
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 (Student loan) 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.