Consumer complaint received 2020-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: IL

Complaint narrative:
Federal Student Loan agency ( MOHELA ) has committed deliberate and repeated violations of the [ Fair Debt Collection Practices Act Section 805 ( c ) ] [ 15 USC 1692c ], the [ Fair Debt Collection Practices Act Section 806 ] [ 15 USC 1692d ], the [ Fair Debt Collection Practices Act Section 807 ( 4 ) ( 5 ) ] [ 15 USC 1692e ], the [ Fair Debt Collection Practices Act Section 809 ( b ) ] [ 15 USC 1692g ], the [ Fair Credit Reporting Act Section 623 ( a ) ( 3 ) ] [ 15 USC 1681s-2 ], and the [ Fair Credit Reporting Act Section 623 ( a ) ( 6 ) ( B ) [ 15 USC 1681s-2 ]. 

Despite multiple formal disputes pursuant to the [ Fair Debt Collection Practices Act Section 809 ( b ) ] [ 15 USC 1692g ]  being sent demanding validation, proof of contract, and proof of claim, ( MOHELA ) has failed to provide any certified or authenticated documentation and evidence of a lawful or legal right to collect on the alleged debt claimed. Formal notices disputing the validity of the alleged debt as well as notices demanding ( MOHELA ) to cease and desist further communication for failure to provide proof of claim or proof of contract have been sent and delivered via Certified or Registered Mail as shown below : Notice of Dispute - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Notice of Dispute - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Notice of Dispute - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Notice of Dispute - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Notice of Dispute - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Notice of Dispute - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Based upon the facts and evidence provided herein a claim will be immediately filed in Federal Court against ( MOHELA ) for Civil Liability pursuant to [ Fair Debt Collection Practices Act Section 813 ( a ) ( 2 ) ] [ 15 USC 1692k ] and the [ Fair Credit Reporting Act ] for the following violations : [ Fair Debt Collection Practices Act Section 805 ( c ) ] [ 15 USC 1692c ] Communication in Connection With Debt Collection [ Fair Debt Collection Practices Act Section 806 ] [ 15 USC 1692d ] Harassment or Abuse [ Fair Debt Collection Practices Act Section 807 ( 4 ) ( 5 ) ] [ 15 USC 1692e ] False or Misleading Representations [ Fair Debt Collection Practices Act Section 809 ( b ) ] [ 15 USC 1692g ] Validation of Debts [ Fair Credit Reporting Act Section 623 ( a ) ( 3 ) ] [ 15 USC 1681s-2 ] Responsibilities of Furnishers of Information to Consumer Reporting Agencies [ Fair Credit Reporting Act Section 623 ( a ) ( 6 ) ( B ) [ 15 USC 1681s-2 ] - Responsibilities of Furnishers of Information to Consumer Reporting Agencies

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