Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NC

Complaint narrative:
I am filing a formal complaint regarding serious inaccuracies in the credit reporting of my student loans by MOHELA, which have caused significant and ongoing harm to my financial well-being and access to housing. 

Key Issues : Improper Reporting of Delinquency : MOHELA has reported XXXX and XXXX delinquencies on my credit report without first reporting any XXXX or XXXX late payments, which is not in line with standard credit reporting guidelines. This abrupt jump in delinquency status has caused my credit score to drop by XXXX points. To my knowledge, no XXXX or XXXX delinquency was shown on my credit report before the XXXX and XXXX marks. If those earlier delinquencies were submitted, I was not made aware and did not see them reflected in my credit file prior to the severe negative impact. I ask that MOHELA be required to verify and document the full reporting timeline. 

Inaccurate Current Status : I am currently enrolled in an Income-Driven Repayment ( IDR ) Plan and my MOHELA account is current and in good standing. Despite this, MOHELA continues to report my account as late or past due, which is false and misleading. 

Duplicate Impact from Multiple Loan Entries : The negative reporting is being duplicated across XXXX separate loan entries on my credit report, all serviced by MOHELA. This makes the situation appear much worse than it is and amplifies the damage to my credit profile. These are not XXXX separate delinquencies they are multiple entries for the same overarching loan obligation. 

Inadequate and Dismissive Customer Support : I attempted to resolve this matter directly by contacting MOHELAs customer service over the phone. The representative I spoke with not only said they were unable to help, but also told me : You will never get that removed from your report. 
This response was dismissive, unprofessional, and left me with no clear path to resolution. 

List of 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 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 ( You may also attach a current credit report or loan summary from MOHELA for supporting documentation. ) Impact : Because of these inaccuracies and MOHELA 's uncooperative stance, I have already been denied an apartment, and I continue to experience severe financial and emotional distress. This false reporting is a barrier to securing stable housing, which is a basic need. 

Request : I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate and intervene on the following points : The legitimacy of reporting XXXX and XXXX delinquencies without first reporting XXXX and XXXX lates ; The false current reporting of my account as delinquent despite compliance with an XXXX plan ; The harmful duplication of negative entries across XXXX separate loan listings ; The unprofessional and unhelpful response from MOHELA customer service; The correction XXXX removal of these inaccurate marks from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

I am prepared to provide documentation of my payment history, IDR enrollment, and current credit report upon request. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation