Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Mohela XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Late Payment Reporting for XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the late payment reported on my account for XX/XX/XXXX. At the time in question, my loans were under an approved forbearance, during which payments were not required. Therefore, I should not have been reported as late. 
Additionally, I did not receive proper notification indicating that my loans were becoming late or delinquent, as is required by federal law. To resolve this matter, I request that you provide proof that : 1. My loans were actually late during the period of XX/XX/XXXX. 
2. Proper notification of delinquency was provided to me in accordance with federal regulations. 
Violation of Privacy Policies and Laws As per the terms of the Master Promissory Note ( MPN ) I signed with Mohela, it is explicitly stated that my loan and payment information will not be shared with any third-party reporting agency without my explicit consent. Furthermore, under the Family Educational Rights and Privacy Act ( FERPA ) of 1974, I am protected from having my educational and loan information disclosed to non-affiliated third parties without proper authorization. 
I hereby rescind any and all consent previously given, whether written, verbal, or implied, for Mohela to share my private and personal information with any third party, including credit reporting agencies. Additionally, I formally request to opt out of all future reporting of my loan information, payment status, or history to any third-party or consumer reporting agency. This includes written, verbal, or non-verbal forms of reporting. 
Please provide your privacy policy regarding the reporting of student loan statuses, including late payment history, and clarify the specific terms that authorize Mohela to report such information without borrower consent. 
My rights are protected under the following laws : Family Educational Rights and Privacy Act ( FERPA ) of 1974, which ensures the confidentiality of student records and prevents unauthorized sharing of information with non-affiliated entities. 
Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of information shared with credit bureaus. 
Privacy Act of 1974, which restricts the sharing of personal information without explicit consent. 
Failure to substantiate the late payment reported for XX/XX/XXXX and to comply with these laws constitutes a violation of my rights as a borrower. If Mohela can not verify the accuracy of this information or provide evidence of my consent to report this information, I demand the immediate removal of the XX/XX/XXXX late payment from all credit reports. 
Actions Requested 1. Remove the XX/XX/XXXX late payment from all records and reports. 
2. Provide proof that I was late in XX/XX/XXXX, including documentation of proper notification. 
3. Clarify Mohelas privacy policy regarding reporting student loan information, including the sharing of late payment history. 
4. Cease and desist from sharing any of my personal information or loan status with third-party or consumer reporting agencies. 
Please provide a written response to this dispute at the address listed above. If this matter is not resolved promptly, I will consider further action to protect my rights under federal law. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX