Date Received: 2020-08-20
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 account is being reported inaccurately and incorrectly on my credit report. I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I moved from XXXX to XXXX after I graduated college, Nelnet did not have my updated email or address & I was unaware that my loans were due during the period that they have placed against my credit. From XXXX XXXX XX/XX/2019 they reported me past due on all 5 of the loans each month. This has severely hampered my credit. My parents signed me up for these loans and I was not fully aware of them, I did not know they were through Nelnet & was not notified since they never had my proper email or address. I hope that you guys can help me out and remove this from my credit score, or at least bundle all 5 loans into one so it doesnt hurt me as bad. It is hard enough having about {$90000.00} of student debt, but my life has been miserable due to this honest mistake. Please help me.
Company Response:
State: TX
Zip: 76513
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I've reached to Nelnet because in XX/XX/2014 I feel behind in monthly payment I was high risk XXXX I had to stop working I reached out to them to stop payments and they did but I was 3 months late, they weren't able to remove the late charge as they said they were after I paid the balanced, the 3 months late in XX/XX/2014 is still damaging my credit, the reason for this is if I can get the late payment removed, I'm a first XXXX XXXX XXXX and this is damaging my credit to qualify, my account has been up to date and good payment history since XX/XX/2014,
Company Response:
State: CA
Zip: 93030
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Contacted family member at place of employment
Company Response:
State: SC
Zip: 29910
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hired XXXX XXXX on XX/XX/XXXX of XXXX, who is an organization that works on credit repair. They have been challenging and disputing information with the 3 credit bureaus, XXXX, XXXX and XXXX. Still the bureau is refusing to remove, which the items are past the statute of limitations, which are the following : department of education/Nelnet. Account number XXXX opened XX/XX/XXXX reported type 120+ day late payment and department of education/Nelnet XXXX opened XX/XX/XXXX reported type 120+ day late payment which are past the statute of limitations.
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I contacted Great Lakes ( Dept of Education ) XXXX Wisconsin about Negative info placed on my credit report. I presented my specific financial circumstances also. I also mentioned that they were violating the CARES act related to COVID19 irelated to not reporting negative info on credit bureau reports from XX/XX/2020 to XX/XX/2020. Great Lakes has reported negative info to all three credit bureau instead of indicating that my account current, they have reported it as derogatory which has been devastating to my credit score. I was set to make a major purchase at the end of XXXX but now that can not happen. This affects my livelihood significantly because now I wont have transportation for My son to go back and forth to school. He is XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28303
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-15
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: I have a loan with XXXX XXXX, DEPTEDNELNET, and NELNET XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DEPTEDNELNET, and NELNET XXXX with no successful resolution. There was definitely an error on their part.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-15
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: I have a loan with XXXX XXXX, DEPTEDNELNET, and NELNET XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DEPTEDNELNET, and NELNET XXXX with no successful resolution. There was definitely an error on their part.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I graduated from XXXX XXXX XXXX in XXXX of XXXX. In XXXX of XXXX I experienced a death in the family and went back to XXXX XXXX in XXXX of XXXX to support the family. For the year of XXXX I lived in XXXX and did not have a cell phone or access to the internet, due to my remote location. Apparently, my student loans had a grace period of 180 days. The 180 days should have been up in XXXX of XXXX. Nelnet, my student loan servicer, never got in contact with me directly to state I had a grace period or that it was up in XXXX of XXXX. However, they placed derogatory remarks on my credit report without ever notifying me to let me know it was time to begin paying back my student loans or that the loans were moving to past due. Although, when I reentered the United States I began paying back my student loans in XXXX. I have contacted nelnet about this issue and they refuse to take the derogatory remarks off my credit report.
Company Response:
State: AZ
Zip: 86001
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A