Consumer complaint received 2025-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: TX

Complaint narrative:
XX/XX/scrub>XXXX Consumer Financial Protection Bureau P.O. Box 27170 Washington, D.C. 20038 Subject : Formal Complaint Regarding Student Loan Servicing Violations by MOHELA and Missouri Education To Whom It May Concern : I am writing to formally file a complaint against my student loan servicersMOHELA and Missouri Educationfor multiple violations of federal law, including improper reporting, lack of proper notification, breaches of privacy, and the absence of a valid contract. I believe my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA, XXXX U.S.C. XXXXb ), and the Family Educational Rights and Privacy Act ( FERPA ) have been violated. I am requesting an immediate investigation and appropriate relief, including potential loan discharge or forgiveness. 
Specific Violations and Concerns : No Valid Master Promissory Note ( MPN ) : I have not received any verifiable, signed copy of the Master Promissory Note from either MOHELA or Missouri Education. Without a legitimate, executed contract, I question the legal basis for the debts enforcement. 
Improper Credit Reporting Without Notice : Both loan servicers have reported late payments to credit bureaus without providing the required prior notice. This violates my consumer rights under the FCRA and TILA XXXX U.S.C. XXXXb, which mandate timely and accurate disclosures before adverse reporting. 
FERPA and Data Privacy Violations : I believe there has been a breach of my educational records and private information, possibly in connection with unauthorized third parties. If my student loan information has been shared, misused, or linked to non-educational platforms or businesses, this is a direct violation of FERPA and my right to privacy. 
Administrative and Oversight Changes Without Transparency : The reported transition of student loan oversight from the Department of Education to a framework resembling that of the Small Business Administration ( SBA ) appears to violate the original terms of agreement. If my loans are now handled by a non-educational body, this undermines the original purpose and contractual basis of the debt. 
Questionable Use of Autopen Signatures and Broader Legal Implications : If documents such as MPNs or servicing agreements were executed using autopen or other automated signatures, I request a review of their legal enforceability. This matter has been raised in broader legal discussions and could have implications for the validity of such agreements across financial and legal sectors. 
Requested Actions : Immediate investigation into the loan servicing practices of MOHELA and Missouri Education. 
Production of any legally valid, signed Master Promissory Note ( s ) ; Suspension of collection activity and credit reporting until this matter is resolved. 
Loan discharge or forgiveness based on breaches of contract, legal violations, and privacy concerns. 
I appreciate your prompt attention to this matter. I am prepared to provide any additional documentation or statements upon request. 
Sincerely, XXXX XXXX

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