Consumer complaint received 2025-07-10 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: SC

Complaint narrative:
Unauthorized Disclosure of Personal Information, FCRA & XXXX Violations, and Ongoing Credit Reporting Issues Related to Pending Borrowers Defense To Whom It XXXX Concern : I am contacting you to raise serious concerns about multiple violations of federal privacy and credit reporting XXXX from MOHELA 's actions related to my student loan servicing. 
I recently discovered that confidential loan servicing documents containing personal information were mailed to an address where I have never resided. This mail was opened and exposed, resulting in the unauthorized disclosure of my Social Security number, loan details, and private data. When I contacted MOHELA to investigate, your representative was unable to explain how or why that address was associated with my account. 
This is unacceptable, unlawful, and poses a serious threat to my personal safety, identity, and credit profile. It further compounds the harm already caused by the XXXX data breach, to which I am also a victim. 

Unauthorized Disclosure XXXX & FCRA Violations MOHELAs misrouting of sensitive correspondence constitutes a violation of : * XXXX Act ( XXXX XXXX XXXXXXXX ( b ) Failure to protect customer records and prevent unauthorized disclosure * FCRA 604 & 609 ( a ) ( 1 ) Furnishing information to unauthorized third parties and failing to provide clear documentation to the consumer * XXXX, if any educational details were included in the communication You have a legal obligation to protect my personal and financial information. Sending it to an incorrect, unverified address without explanation is a direct violation of federal consumer protection and data privacy laws. 

Additional FCRA Violations Credit Reporting I am also a pending applicant under the XXXX XXXX to Repayment lawsuit ( XXXX XXXX XXXXXXXX ). Despite notifying the credit bureaus over a year ago, and the XXXX XXXX XXXX XXXX clear guidance to halt negative reporting of disputed student loan accounts, MOHELA continues to : * Report my loan balances as active or in repayment * List the status as Pays as agreed, Indeterminate, or Transferred across bureaus * Allow multiple duplicate entries, some under MOHELA and some under XXXX XXXX XXXX XXXX XXXX falsely inflating my total reported debt * Verify disputed data to credit bureaus despite my clear legal status and disputes These actions violate : * FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate information * FCRA 611 ( a ) Failure to conduct a proper reinvestigation * FCRA 623 ( a ) ( 2 ) Failure to correct previously disputed data * Specific Complaints : XXXX. Mail sent to wrong address, opened and unsecure XXXX. No explanation provided by your staff XXXX. Failure to suppress or correct student loan XXXX XXXX XXXX. False verification of disputed items with credit bureaus XXXX. Duplicate, inflated student loan entries XXXX. Ongoing harm despite XXXX XXXX pending status

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