Consumer complaint received 2025-02-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date of Complaint : XX/XX/XXXX Against : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX  Company Address ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Great American Finance XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX XXXX Summary I am filing a formal complaint against XXXX, XXXX, XXXX, and several creditors/collection agencies for violating federal credit reporting laws, failing to investigate disputes, and reporting inaccurate, outdated, and unverifiable negative items on my credit report. 
I have disputed multiple inaccurate and unfair items, yet the credit bureaus and furnishers have failed to remove the incorrect data as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Below are the specific violations and requested resolutions for each account : XXXX. XXXX XXXX ( Collection Over 7 Years Old ) Violation : Under FCRA 1681c ( a ) ( 4 ), collections must be removed after 7 years from the date of first delinquency ( DOFD ). The XXXX XXXX collection is past the legal reporting period but still remains on my report. 
Resolution : I demand the immediate removal of this outdated collection account from all credit reports. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Incorrect Late Payments Violation : Late payments were reported in error despite my account being in good standing before it was closed. 
Resolution : The inaccurate late payments must be deleted immediately.

3. Great American Finance Collection Account Violation : Great American Finance reported a collection that is inaccurate and unverifiable under FCRA 1681i.

Resolution : I request a full investigation and removal of this collection if it can not be verified with proper documentation. 
XXXX. XXXX Late Payments on Student Loans ( After PSLF Forgiveness ) Violation : I qualified for Public Service Loan Forgiveness ( PSLF ), and my loans were forgiven. However, XXXX has failed to remove late payments that should no longer be reported. 
Resolution : Remove all late payment records related to my student loans. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Unverified Collection Violation XXXX XXXX XXXX reporting a collection account that they failed to validate under Fair Debt Collection Practices Act ( FDCPA ) 1692g. 
Resolution : Since XXXX did not verify the debt, the collection must be removed from my credit report immediately. 
6. Credit Bureaus Failure to Investigate Disputes ( FCRA Violations ) XXXX, XXXX XXXX and XXXX have violated FCRA 1681i by failing to properly investigate my disputes.

They continue to report inaccurate and unverifiable information, causing damage to my credit score and financial well-being.

How This Has Harmed Me Due to these inaccurate and unfair negative items : My credit score has dropped, making it difficult for me to obtain housing and credit. 
I have been denied loans and charged higher interest rates due to false negative marks. 
I have suffered severe emotional distress, financial hardship, and reputational harm due to the credit bureaus failure to follow the law. 
Requested Resolution ( What Do I Want? ) 1.Remove the XXXX XXXX XXXX account immediately ( Its over 7 years old and violates FCRA 1681c ). 
XXXX all inaccurate late payments reported by XXXX XXXX XXXX XXXX 
XXXX the unverified Great American Finance and XXXX collection accounts. 
XXXX and delete any unverifiable accounts per FCRA XXXX. 
XXXX XXXX, XXXX, and XXXX comply with federal law by accurately reporting my credit history.

If my request is not resolved within 30 days, I will : File a lawsuit against the credit bureaus and data furnishers for FCRA and FDCPA violations.

Seek damages for credit harm and emotional distress under FCRA 1681n & 1681o.

File a complaint with the Federal Trade Commission ( FTC ) and California Attorney General. 
I expect an immediate investigation and resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation