Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: NJ

Complaint narrative:
This correspondence is a formal legal notice and demand regarding your recent action to reinsert previously deleted accounts into my consumer credit file. These actions constitute a clear and willful violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) and 1681e ( b ), as well as a failure to honor consumer due process rights under federal law.

You had previously deleted the following fraudulent and disputed accounts from my credit report after I submitted a formal dispute and identity theft notification. These removals were correct and in compliance with your obligations under FCRA. However, you have now unlawfully reinserted XXXX or more of these accounts without notifying me in writing within XXXX ( XXXX ) business days, and without providing validation or verification of the alleged obligation, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ).

This unlawful reinsertion has damaged my consumer profile and has occurred without due process, as no creditor has ever presented a lawful, authenticated instrument showing : My original wet-ink signature on any alleged contract or application; Any certified validation of a legal obligation to pay under federal law ; Any proof that I, XXXX XXXX XXXX XXXX XXXX the use of my Social Security Number for any account listed. 

APPLICABLE FEDERAL VIOLATIONS : FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) : Prohibits reinsertion of previously deleted information unless the furnisher certifies its accuracy and the CRA notifies the consumer within XXXX ( XXXX ) business days. 
FCRA 1681e ( b ) : Mandates reasonable procedures to assure maximum possible accuracy. You have failed to maintain accurate and verifiable data.

FCRA 1681b ( a ) : Permits information reporting only with permissible purpose. No such purpose exists for reporting accounts that were never validated nor authorized.

FCRA 1681s-2 ( b ) : Requires data furnishers to correct and delete information found to be inaccurate or unverifiable.

FDCPA 809 ( 15 U.S.C. 1692g ) : Requires debt collectors and furnishers to provide validation of debts upon request. You have failed to ensure compliance with these duties. 
UNLAWFULLY REINSERTED ACCOUNTS : MOHELA / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Student Loan Accounts : Account # : XXXX {$6900.00} Status : 120 Days Past Due Account # : XXXX {$3500.00} Status : 120 Days Past Due Account # : XXXX {$4200.00} Status : 120 Days Past Due Account # : XXXX {$2600.00} Status : 120 Days Past Due Account # : XXXX {$5300.00} Status : 120 Days Past Due Account # : XXXX {$7900.00} Status : 120 Days Past Due Account # : XXXX {$3000.00} Status : 120 Days Past Due Account # : XXXX {$6800.00} Status : 120 Days Past Due Account # : XXXX {$2400.00} Status : 120 Days Past Due Account # : XXXX {$6300.00} Status : 120 Days Past Due Credit Card / Collection Accounts : XXXX. XXXX XXXX ( XXXX ) {$18000.00} Status : Charged Off XXXX. XXXX XXXX XXXXXXXX {$4700.00} Status : Charged Off XXXX. XXXX XXXX XXXX XXXX {$430.00} Status : Charged Off XXXX. XXXX XXXX XXXX {$11000.00} Status : Charged Off XXXX. XXXX XXXX XXXX {$9100.00} Status : Charged Off XXXX. XXXX BANK DELAWARE {$3400.00} Status : Charged Off XXXX. XXXX XXXX, XXXX. {$3200.00} Status : XXXX XXXX XXXX. XXXX XXXX : XXXX Collections

Company response to consumer: Untimely response