Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: NV

Complaint narrative:
I am writing to formally submit a complaint against the Missouri Higher Education Loan Authority ( MOHELA ), my federal student loan servicer, for a pattern of servicing failures that have caused direct financial harm to me as a borrower. BORROWER INFORMATION : Name : XXXX XXXX XXXX XXXX : MOHELA Account Type : Federal Student Loan ( s ) Contact : XXXX NATURE OF THE COMPLAINT : [ Select and personalize the section ( s ) that apply to your situation ] UNPROCESSED DISCHARGE / FORGIVENESS : Despite meeting eligibility requirements for [ loan discharge / PSLF / IDR forgiveness ], MOHELA has failed to process and apply the relief I am owed. XXXX XXXX XXXX XXXX has authorized discharge for borrowers in my category, yet my account continues to reflect an outstanding balance with no evidence of processing. MOHELA has neither issued a written explanation nor provided a timeline for resolution. CREDIT REPORTING ERROR / DUPLICATE TRADELINE : Following the servicer transfer of my loans [ from XXXX / to MOHELA ], duplicate loan entries appeared on my credit reports with XXXX XXXX XXXX XXXX. This error which is consistent with the nearly XXXX XXXX duplicate records identified in the XXXX XXXX investigation into MOHELA has materially damaged my credit score and affected my ability to [ obtain a mortgage / secure credit / other ]. MOHELA has failed to correct this reporting despite my attempts to resolve it directly. BILLING / PAYMENT COUNT ERRORS : MOHELA has [ issued inaccurate billing statements/ miscalculated my payment count / failed to send statements entirely ], resulting in [ describe impact : missed payments, delinquency, etc. ]. This directly mirrors the documented misconduct described in the CFPB Student Loan Ombudsman 's XXXX Annual Report, in which MOHELA received the most complaints of any student loan company in the country. ACTIONS TAKEN PRIOR TO THIS COMPLAINT : - I contacted MOHELA directly on [ date ( s ) ] via [ phone/portal/certified mail ] to report this issue. - I received no substantive resolution/ received a response that did not address the error. - [ Include any confirmation numbers, case numbers, or reference IDs if available. ] REQUESTED RESOLUTION : I am requesting that the CFPB : 1. Formally investigate MOHELA 's handling of my account ; 2. Direct MOHELA to correct the error ( s ) described above within a specified timeframe ; 3. Ensure that any credit reporting errors are corrected with all three major credit bureaus ; 4. Confirm in writing what remedial actions have been or will be taken. SUPPORTING DOCUMENTATION ATTACHED : - Loan account statements- Credit report excerpt ( s ) showing the error ( s ) - [ Any other relevant documents ] I am aware that MOHELA is currently subject to multiple active federal lawsuits including XXXX XXXX MOHELA, XXXX v. MOHELA, and XXXX XXXX MOHELA for the same categories of harm I have described here. I am filing this complaint to ensure my individual situation is formally documented and addressed. Thank you for your attention to this matter. I can be reached at XXXX or [ phone number ] should you require any additional information. Respectfully, XXXX XXXX

Company response to consumer: Untimely response