Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
I am filing this complaint to request a full investigation and correction of inaccurate reporting by MOHELA on my XXXX  credit report. The account titled MOHELA/DOFED is being incorrectly reported as Open and Current, when in fact it is Paid and Closed. 

I participated in the Public Service Loan Forgiveness ( PSLF ) program, and all loans have been fully forgiven and paid in full. This information can be verified through the Department of Education and supporting documentation I have attached. 

Under the Fair Credit Reporting Act ( FCRA ), I am protected by several key provisions that require furnishers and credit reporting agencies to ensure accuracy and completeness of all consumer data : FCRA 602 ( 15 U.S.C. 1681 ) Establishes that consumers have the right to fair and accurate credit reporting, and that inaccurate information must not be retained.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) Requires that any disputed information be reinvestigated and corrected or deleted within 30 days ( extendable to 45 days with additional information ).

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from reporting information they know or reasonably should know is inaccurate.

FCRA 623 ( b ) Requires furnishers to promptly investigate and correct any disputed information after receiving notice from a consumer or a credit reporting agency.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) and Fair and Accurate Credit Transactions Act ( FACTA ), I am protected from continued reporting or collection of any debt that is not valid, verified, or legally owed. Reporting a forgiven or closed loan as open constitutes false representation and misleading reporting under FDCPA 807 ( 15 U.S.C. 1692e ).

Furthermore, Metro 2 Compliance Standards, developed by the Consumer Data Industry Association ( CDIA ), require that furnishers of data ( such as MOHELA ) report accurate, current, and complete account status codes. Per Metro 2 guidelines, an account that has been forgiven or paid in full under PSLF must be reported with : Status Code : XXXX ( Paid or Closed Account ) Account Type : Closed/XXXX  Balance Payment Rating : XXXX Balance Failure to report this accurately violates FCRA 607 ( b ) and Metro 2 industry standards , which the CFPB and credit bureaus rely on for uniform and accurate consumer data reporting.

I am requesting that the CFPB ensure : 1. A full investigation is conducted into MOHELAs inaccurate furnishing of data to XXXX. 
XXXX. MOHELA immediately corrects or deletes the inaccurate account information in full compliance with the FCRA, FDCPA, FACTA, and Metro 2 standards. 
XXXX. XXXX  updates my credit profile within 90 days or less to reflect the true and accurate status of this account as Paid/Closed or deletes the account entirely if accuracy can not be verified. 
XXXX. All future reporting of this account ceases unless verified and substantiated in full with the Department of Education documentation. 

I do not acknowledge ownership of any open or active MOHELA/DOFED account. Any continued reporting suggesting I have an active balance or open account is inaccurate, misleading, and a violation of my consumer rights under federal law. 

I am invoking my rights under the FCRA 602, 607 ( b ), 611, and 623, as well as FDCPA 807, and Metro 2 compliance requirements, to ensure this matter is fully corrected or deleted in a timely manner. 

Thank you for your attention and enforcement of my consumer rights to accurate credit reporting. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response