Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: CA

Complaint narrative:
Urgent Complaint Regarding XXXX XXXX and Fraudulent Student Loan Application Dear Consumer Financial Protection Bureau, I am writing to urgently bring to your attention a XXXX XXXX XXXX XXXX XXXX  and fraudulent activity that has significantly impacted my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXX, an individual unlawfully used my personal information to apply for a student loan from XXXX in the amount of {$11000.00}. This unauthorized loan was taken out without my knowledge or consent, and I only became aware of its existence when reviewing my credit report in XX/XX/XXXX. 

Upon discovering this fraudulent loan, I promptly contacted MohelaXXXX seeking clarification and resolution. Despite my repeated attempts to communicate with them, I was informed that they could not provide any information or assistance until I obtained a police report. Consequently, on XX/XX/XXXX, I filed a report with the XXXX XXXX Police Department, detailing the XXXX XXXX and fraudulent loan application. 

Once I provided Mohela with a copy of the police report, they disclosed that the loan had been secured using false information, including an address at XXXX XXXX XXXX XXXX CA and a phone number XXXX, which do not match my personal details. Despite providing extensive documentation, including a completed XXXX XXXX  Victim 's Complaint and Affidavit packet, signed by both myself and a witnessing police officer, as well as additional evidence such as my passport, social security card, driver 's license, lease agreements for both residencies currently and at the time the crime took place, and financial records, Mohela 's handling of the situation has been deeply concerning. 

Furthermore, Mohela 's errors have compounded the distress of this situation. They mistakenly sent the affidavit supplemental packet to the criminal 's address instead of mine, causing significant delays in resolving the issue. It was only after persistent follow-up that I was able to provide all necessary documentation to Mohela on XX/XX/XXXX via email, as directed by their representative, XXXX, who assured me of a resolution by the end of XXXX. 

However, when I followed up on XX/XX/XXXX, XXXX informed me that XXXX had closed the case and deemed it resolved, despite my name still being tarnished by this crime. This erroneous conclusion has had detrimental effects on my credit score and overall well-being, as I now face the looming threat of late payments for a loan that I did not authorize nor benefit from. 

I urge the Consumer Financial Protection Bureau to intervene in this matter urgently and ensure that XXXX is held accountable for their negligence and mishandling of my case. Their California lending license number is XXXX. It is unacceptable that they provided a loan without proper verification, leading to the fraudulent use of my identity. 

Additionally, I implore the CFPB to investigate the pattern of fraudulent activity surrounding XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX. XXXX from Mohela revealed that multiple fraud cases have been linked to this institution, indicating a systemic issue that warrants further investigation. 

Please assist me in clearing my name and rectifying this injustice. If there is any further information required to prove my innocence, I am readily available to provide it. You may contact me through the appropriate channels, as I understand the sensitivity of sharing personal information online. 

Thank you for your urgent attention to this matter. I trust that the CFPB will take swift and decisive action to address this egregious breach of consumer protection. 

Sincerely

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