Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
CFPB COMPLAINT INACCURATE STUDENT LOAN CREDIT REPORTING AFTER XXXX  XXXX Consumer Information Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX PA XXXX XXXX of Birth : XX/XX/XXXX Company Being Complained About [ MOHELA / XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX You may submit separate complaints for each company ) Product Student Loans Issue Incorrect information on credit report Problem with credit reporting accuracy after bankruptcy What Happened ( Complaint Narrative ) I am filing this complaint regarding the inaccurate and legally improper reporting of student loan accounts following my XXXX  XXXX bankruptcy. 

I filed a XXXX  XXXX bankruptcy and my case proceeded through the United States Bankruptcy XXXX. While student loans are addressed under 11 U.S.C. 523 ( a ) ( 8 ), that statute is an exception-to-discharge provision, not a reporting authorization and not a presumption of nondischargeability. 

Legal and Historical Context Student loans have been provable and includable debts in bankruptcy since the XXXX  XXXXXXXX XXXX XXXX. XXXX did not restrict dischargeability until the XXXX  XXXX  of XXXX, and even then, student loans were not excluded from bankruptcyonly subject to conditions. 

There is no court document titled Student Loans Excluded from Bankruptcy, and no bankruptcy court furnishes determinations of nondischargeability to credit reporting agencies absent an adversary proceeding and judicial finding. 



Inaccuracy and Violations Despite this, the company is reporting my student loans in a manner that is inaccurate, misleading, and legally unsupported, including XXXX or more of the following : Reporting student loans as automatically excluded from bankruptcy Continuing to report balances without a judicial determination Reporting post-bankruptcy negative statuses without lawful verification Treating public record data as proof of nondischargeability Failing to identify any court order, judgment, or adversary proceeding supporting continued reporting The XXXX Bankruptcy XXXX does not report bankruptcy data to credit bureaus, and does not furnish discharge determinations regarding student loans. Any reporting based on assumptions rather than a court judgment is not verifiable. 



Applicable Law Violations This conduct violates : Fair Credit Reporting Act 607 ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy Fair Credit Reporting Act 611 ( a ) Failure to delete or correct information that can not be verified CFPB supervisory authority over furnishers Furnishing information without a legal basis or verification An exception to discharge is not the same as a determination of nondischargeability, and credit furnishers are not authorized to make that legal determination. 



What I Am Requesting I am requesting that the CFPB require the company to : XXXX. Provide documentary proof of any court determination supporting continued reporting XXXX. Identify the specific document relied upon ( if any ) XXXX. Correct or delete inaccurate reporting that lacks judicial verification XXXX. Cease presumptive reporting of student loan nondischargeability XXXX. Ensure future reporting complies with FCRA accuracy standards If no court judgment exists, continued reporting is unverifiable and must be removed or corrected. 



Supporting Documentation ( Attach if Available ) Bankruptcy petition and schedules Discharge order Credit report pages showing disputed reporting Dispute letters and responses ( if any ) Closing Statement This complaint concerns accuracy, verification, and lawful reporting, not an attempt to evade debt. Credit reporting agencies and furnishers do not have authority to decide bankruptcy dischargeability, and reporting based on assumptions rather than court findings violates XXXX  law. 

I respectfully request CFPB intervention.

Company response to consumer: Untimely response