Consumer complaint received 2025-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Formal Dispute of Inaccurate Late Payment Reporting Demand for Immediate Removal Dear Compliance Department, This letter is a formal Notice of Dispute and Demand for Validation regarding the inaccurate and unauthorized late payment ( s ) being reported on my student loan account with your company. These derogatory marks are in violation of several federal consumer protection laws and must be immediately deleted from all consumer reporting agencies. 
The following violations are cited : Violations of Federal Law : 15 USC 1666b and 12 CFR 1026.13 ( TILA Regulations ) : Under the Truth in Lending Act, any billing error or payment dispute must be fully investigated, and the servicer must provide written evidence validating the alleged delinquency. You have failed to comply with the required provisions to notify and substantiate these alleged late payments. 

15 USC 1681s-2 ( FCRA - Duty to Report Accurately ) : Your continued reporting of these alleged late payments without proper verification is a direct violation of your obligation to report accurate data. You are legally required to conduct a reasonable investigation upon receiving notice of a dispute. Failure to do so will be grounds for regulatory complaints and civil action. 

15 USC 1681i ( 2 ) ( A ) ( i ) ( Reinvestigation of Disputed Information ) : I have never received proper notification nor sufficient documentation that supports your derogatory reporting. You are therefore in non-compliance with your duty to reinvestigate and correct inaccurate data. 

UCC 3-501 ( Presentment and Dishonor ) : I formally request you present a verifiable, signed contract with my wet signature and an itemized accounting of any alleged delinquency. If you can not produce these documents as required under UCC 3-501, then the alleged debt is legally unenforceable, and the derogatory reporting constitutes willful defamation and negligent furnishing of false data.

Demand for Immediate Action : You are hereby instructed to : Permanently delete all late payments associated with this account from any and all credit reporting agencies. 
Provide documented proof of compliance with all laws cited above. 
Cease and desist from any further unlawful reporting until full validation has been provided. 

Failure to comply within 15 days of receipt of this letter will result in : A formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. 
Consideration of civil litigation for defamation of character, willful non-compliance, and violation of federal statutes. 
You have no legal authority to report information that can not be validated under federal law. If you continue to report inaccurate, unverifiable, or outdated information, I will pursue all legal remedies available to me. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response