Debt collection -- False statements or representation -- Complaint #17874819
Complaint Overview
Complaint ID: 17874819
Company: Nelnet, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 75126
Date Received: 2025-11-19T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Nelnet continues to furnish false, conflicting, and unverifiable delinquency information to XXXX on my federal student loan account. Despite my prior complaint, Nelnet has still not provided the legally required documentation to verify the information they are reporting. Details of Violations : Nelnet is reporting several months as Payment Deferred while also reporting those same months as 180 days past due. These two statuses can not exist at the same time on a federal student loan. This is inaccurate, misleading, and in direct violation of FCRA 1681e ( b ) ( duty of accuracy ). Nelnets previous CFPB response failed to include : Promissory note Payment ledger showing due dates and posting dates Date of First Delinquency ( DOFD ) Deferment documentation Forbearance records Servicing transfer history These records are mandatory when a furnisher verifies disputed information under 15 U.S.C. 1681s-2 ( b ). Without these documents, Nelnet can not lawfully verify any of the delinquency data they furnished to XXXX. Why This Requires CFPB Action : The conflicting deferment vs. delinquency reporting shows the data is objectively inaccurate. Nelnets failure to provide verification documents shows the data is unverifiable. XXXX update without proper verification shows a defective reinvestigation under FCRA 1681i. This is harming my credit, blocking approvals, and is materially misleading. Requested Resolution : I request that the CFPB require Nelnet to : Produce ALL required records ( ledger, DOFD, deferment, forbearance, promissory note, servicing transfer ). Conduct a lawful reinvestigation under 1681s-2 ( b ). Correct or delete all inaccurate or unverifiable delinquency reporting from the credit bureaus. Provide written confirmation of the investigation results. If Nelnet can not verify these items with the required documentation, all negative reporting must be deleted. I am submitting this as a new complaint because the issues are ongoing and Nelnets prior response to the CFPB was incomplete.
Frequently Asked Questions
What is Complaint #17874819 about?
Complaint #17874819 was filed against Nelnet, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-11-19T12:00:00-05:00.
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 (Debt collection) 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.