Consumer complaint received 2023-05-02
Company: MOHELA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is related to CFPB Complaint XXXX already filed with MOHELA. This complaint is related to XXXX 's decision to keep this loan on my credit report without any proof that this loan is mine and while it is still in dispute and investigation with MOHELA, the loan servicer. 
I have been in dispute of this loan since XXXX when my federal student loan was being managed by XXXX. This dispute pertains to loan # 4 taken out in XXXX on my federal student loan. The loan is currently being managed by MOHELA. The loan was taken out in XXXX of XXXX. I graduated in XXXX of XXXX so there was no reason for me to have taken this loan out - the entire bill for my school was paid with federal loan # XXXX which was for {$10000.00} and covered the cost of the entire program. When I was aware of the error, I contacted XXXX and was told this loan would be removed. I had a difficult XXXX and delivered a baby in XXXX and did not double check that XXXX removed the loan before transferring it to another student loan manager and then ANOTHER student loan manager before it arrived with MOHELA. I became aware that this loan was still on there when checking my loans due to the potential Biden-Harris loan forgiveness. Since then, I have spoken to my CSUDH ( school ) XXXX XXXX. Aid office and XXXX XXXX. Services. I have asked how the loan was paid out, for proof of payment, and any documents with my signature. I have asked for all documentation for how my federal loans were paid out and dates disbursed. I have asked for specific information about how funds were utilized. I have not received sufficient information but was told to dispute this directly with MOHELA the loan servicer. I have disputed this with MOHELA, the Ombudsman Office, and Borrower 's Defense. These entities have managed to CLOSE my complaints without ever talking to me, ignore me, negligently respond to my inquiry ( providing me with untimely responses and documents related to my XXXX loan which is not in dispute, and add improper notes and documentation to my complaint including the notes that this dispute is regarding loan forgiveness due to public service - these words were never said by me and that is not at all the reason for this dispute. I have sent MOHELA countless pieces of correspondence and even emailed the Inspector General in XXXX XXXX- I have not heard from that entity either. You case reference case # XXXX with the OMBUDSMAN and # XXXX with Borrower 's Defense. I have also contacted my Congressional representatives and their offices are also currently being ignored by MOHELA who is not responding. I was advised to dispute this loan directly with the credit bureaus- which I did. Within just a few days of disputing, I received the results that this loan is VERIFIED as mine - but not a single piece of info has been provided to show proof. I have requested that info, with no response. Further, a day after " confirming '' this loan is mine, MOHELA emailed me a fraud investigation form and supporting documents for me to fill out. They gave me 60 days to respond. If MOHELA is investigating this as fraud they SHOULD NOT be verifying that this loan is mine with the credit bureau. I absolutely demand that this loan be removed from my sequence. Something fishy is going on and something is definitely not right when a creditor says you owe a loan and then decides they aren't sure and need to investigate it. I request help and immediate action including the removal of this loan sequence # 4 from XXXX with MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation