Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7298686
Complaint Overview
Complaint ID: 7298686
Company: Nelnet, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: North Carolina
ZIP Code: 288XX
Date Received: 2023-07-24T12:00:00-05:00
Date Sent to Company: 2023-07-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I submitted a TPD application to the department of education ( Nelnet ) to totally and permanently discharge my school loans because of my XXXX. My account number is XXXX. On XX/XX/XXXX my application from the US Department of Education approved my total and permanent XXXX discharge application and I entered into a three year post discharge monitoring. Period in XX/XX/XXXX, I received full approval for total and permanent XXXX discharge after the three-year monitoring period. Additionally, on XX/XX/XXXX, I received, a fully favorable opinion from the Social Security federal judge. After reviewing my credit documents, some thing I was unable to do because of my illnesses for so long, I noticed there are 24 closed loan accounts from the department of education with zero balances, but still were counted as closed accounts. In addition, there was one account, which was reported as open, but had a zero balance. As you know, closed accounts on a credit report can do much damage to the person with the credit report. I contacted Nelnet and explained my argument that a discharged loan is not the same as paying off a loan or forgiving a loan. I have found evidence on various websites of Nelnet and the department of education, which support my argument. I would like to see these accounts deleted from my credit report as soon as possible, as a Discharged loan counts as a cancellation, especially because the person receiving the discharge is unable to apply for another school loan while keeping the TPD status. Please help me make this right wrong for myself, and for others with XXXX, struggling to repair their credit after years of patiently waiting to be approved for financial assistance. Thank you very much. All the best, XXXX
Frequently Asked Questions
What is Complaint #7298686 about?
Complaint #7298686 was filed against Nelnet, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-07-24T12:00:00-05:00.
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, credit repair services, 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.