Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: TN

Complaint narrative:
XXXX'MOHELAXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX  Subject: FCRA Violation  Improper Reporting of 90-Day Late Payment Without Prior Delinquencies\n\n MOHELAXXXX I am writing to formally dispute and demand immediate correction regarding an egregious inaccuracy on my credit report associated with my student loan serviced by your company. Upon reviewing my credit file, I discovered that you have reported a 90-day late payment without reporting any preceding 30-day or 60-day delinquencies for the same account. This reporting is factually impossible and constitutes a clear violation of the Fair Credit Reporting Act (FCRA), which mandates that information furnished \nto credit reporting agencies must be complete and accurate. Reporting a 90-day delinquency without progressive prior late marks (30-day, then 60-day) is both misleading and damaging. It misrepresents my payment history and unjustly harms my credit profile. This type of reporting not only lacks factual basis but also violates your duty as a data furnisher under FCRA Section 623, which requires accurate and complete reporting.\n MOHELAXXXX XXXX XXXX XXXX Under  USC 1681 i Paragraph (5) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or cannot be verified the \nconsumer reporting agency shall (i) promptly delete. - You are reporting a 90 day late payment and there is no 30 or 60 day late payments reporting. This is a FCRA violation. Please update this to paid as agreed. I was never late on this account.\n MOHELAXXXX XXXX XXXX XXXX  Under  USC 1681 i Paragraph (5) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or cannot be verified the consumer reporting agency shall (i) promptly delete. - You are reporting a 90 day late payment and there is no \n30 or 60 day late payments reporting. This is a FCRA violation. Please update this to paid as agreed. I was never late on this account.\n MOHELAXXXX XXXX XXXX XXXX Under  USC 1681 i Paragraph (5) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or cannot be verified the consumer reporting agency shall (i) promptly delete. - You are reporting a 90 day late payment and there is no \n30 or 60 day late payments reporting. This is a FCRA violation. Please update this to paid as agreed. I was never late on this account.\n MOHELAXXXX XXXX XXXX  - Under  USC 1681 i Paragraph (5) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or cannot be verified the consumer reporting agency shall (i) promptly delete. - You are reporting a 90 day late payment and there is no 30 or 60 day late payments reporting. This is a FCRA violation. Please update this to paid as agreed. I was never late on this account.\n Therefore, I am demanding the following:\n\n1.Immediate deletion of the inaccurately reported 90-day late payment from all consumer reporting agencies to which it was furnished.\n 2.Written confirmation from your office that the inaccurate information has been corrected and/or removed from all relevant credit reports.\n 3.A copy of any documentation used to substantiate the reported delinquency, if you intend to challenge this dispute.\n Please be advised that failure to correct or respond appropriately to this matter may result in me filing formal complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my states attorney general. I also reserve the right to pursue legal remedies as allowed under the FCRA.\n I expect a written response within 30 days of the receipt of this letter in accordance with federal law.\n Sincerely'

Company response to consumer: Closed with explanation