Date Received: 2022-12-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have a loan with DEPT OF ED/NELNET. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the DEPT OF ED/NAVIENT but they have provided me with nothing tangible which reflects anything verifiable, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. There is definitely an error with their part. I was never late ( XX/XX/XXXX and XX/XX/XXXX ). Investigate properly and please update for 100 % accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: SUMMARY : I believe that my loans with Nelnet were supposed to be transferred to XXXX when I certified for XXXX back in XXXX, and just want to ensure that all XXXX of my loans are considered when I submit my final certification and application for loan forgiveness soon. DETAILS : I am a public employee, and I originally had XXXX " direct '' loans and XXXX XXXX loan through the the loan servicer Nelnet. I submitted my XXXX certification in XX/XX/2022, and successfully consolidated the XXXX loan to a XXXX loan. Unfortunately, XXXX of XXXX my direct loans were never transferred from Nelnet to XXXX ( or to XXXX, who XXXX have been the XXXX servicer at the time ). I believe they should have been transferred due to their eligibility for XXXX, given that I submitted my XXXX certification in XX/XX/2022. I've been reaching out to Nelnet since XXXX, but have not received any answers regarding the status or eligibility of the XXXX remaining direct loans that they still currently hold. When asked about these loans, Nelnet consistently relies on sending template-like responses which not only answer any questions regarding the XXXX-eligibility of XXXX loans, but also seems to completely disregard my requests for guidance on how I can help ensure that these XXXX loans be considered for loan forgiveness within the next XXXX XXXX ( as I anticipate meeting the XXXX requirement very soon ). As a quick recap, I believe that all XXXX of my my loans with Nelnet were supposed to be transferred to XXXX when I certified for XXXX back in XXXX, and just want to ensure that the remaining XXXX loans with Nelnet are also considered for forgiveness when I submit my final XXXX certification/application in the next XXXX XXXX. I have email transcripts of my exchanges with Nelnet to support my account of the situation, as well as a history of all correspondence and documents I've received from Nelnet throughout this time period.
Company Response:
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I reviewed my credit report and noticed the alleged listed account. I sent a request for verification of the debt to the creditor in XX/XX/2022. After XXXX days of no response or update, I reached out to the creditor again to gain information of the alleged debt. Its been roughing XXXX days and I have yet to receive a response or any information about the alleged debt. I am aware of the law stating that the creditor has XXXX days to complete the investigation. At this point, this alleged debt is now illegally posted on my credit report.
Company Response:
State: NJ
Zip: 08648
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My student loans were discharged in XXXX of 2022 after I applied for the XXXX student loan discharge program. It was XXXX through NelNet but they are telling me that they are not the ones to report that information to the credit bureaus. I then reached out to the credit bureaus to ask about who has been reporting my student loan status for the past 7 months since it has been XXXX and they told me that the holders on the student loan accounts are XXXX XXXX XXXX and that only they can make changes. I also reached out to XXXX XXXX XXXX and they told me Nelnet should be reporting since they were the ones to discharge the student loan. I then disputed my student loan with the credit bureaus for showing inaccurate information and status and the report came back as ; correct posting that the information on my report that reflects it still having a balance is accurate. Both nelnet and XXXX XXXX XXXX have confirmed that my student loan is paid in full and that my balance should be {$0.00}, closed paid in full.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I requested a refund of {$20000.00} from Great Lakes Education on XX/XX/XXXX and was told it would take between 30-45 days to have my refund processed. I have called on two occasions since then ( In early XXXX and also on XX/XX/XXXX ) to ask for updates but have not been able to receive any substantive information. It has been over 3 months now and I am concerned that my request is not being taken seriously, as I know others who have received their refunds in a much more timely manner. No update has been provided on their website as well.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX ( input accounts ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 33584
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hello, I originally had a student loan with XXXX which I began making payments on in XXXX. This loan was then sold to Nelnet in XXXX. Although I have been making payments for the majority of the last 18 years the number of remaining payments has not decreased, nor has the remaining balance. This seems strange to me, and potentially predatory, as I am now realizing that there is no real end date for the completion of my loan, but that they seem to want me to make monthly payments to them indefinitely. When I called and asked to speak to their specialist, I was told that that position was internal and that I could not be connected to them. There is no recourse for me to better understand what is happening with my loan or how to resolve it.
Company Response:
State: CA
Zip: 91104
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I called my Federal Student Loan servicer XXXX concerning the loan. I explained to them my loan was showing paid off for the last 4 years than all of sudden reappeared. It showed in good standing and paid as agree on the credit bureaus ' reports. They are also saying my student loans doesn't qualify for the federal forgiveness program when they are federal loans. I need someone to check into this situation because something isn't right.
Company Response:
State: TN
Zip: 38134
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: see attached letter. Pursuant to the Fair Credit Reporting Act section 603 ( 15usc 1681a ( 2 ) Exclusions ) states a consumer report does not include report containing information soley as to transactions or experiences between the consumer and the person making the report. Nelnet is reporting a 90 day late on my consumer files. This is a form of a transaction that is negatively reflecting my character and according to the FCRA should not be reporting.
Company Response:
State: IN
Zip: 47630
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I requested to have my student loan payments made during the COVID-19 pandemic refunded as was allowed under the CARES act. I have been given timelines that state I must wait XXXX weeks or more to receive the money, and can not get in contact with anyone that can actually resolve or expedite this. My balance was reinstated on XX/XX/XXXX and now reflects on my credit report as a higher balance, despite no refund being made to me. My balance should not have been adjusted prior to the money being in my hand point blank, that is wrong. It is also wrong I should be told XXXX weeks to wait for a refund I know they can process faster than this. I opened a case on the XXXX website, nelnet reached out and just reiterated I have to wait. This is unacceptable. I contacted the US dept of treasury at XXXX and was told this refund is still pending DOE approval. I reached out to a number given to me by the US treasury XXXX but when I selected the option for help with direct loans, i get told this extension is no longer in use and get hung up on. This is unacceptable. It is being reported to all 3 bureaus my balance is higher, i want my money now.
Company Response:
State: NE
Zip: 68130
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A