Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Date : XX/XX/XXXX To : MOHELA XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Response to XXXX XX/XX/XXXX Correspondence Disputed XXXX XXXX XXXX  Dear MOHELA, This letter is in response to your recent communication dated XX/XX/XXXX regarding the XXXX XXXX XXXX you claim to be servicing under my name. 

Let me be absolutely clear : I continue to dispute the validity and enforceability of this loan. The documents you provided do not constitute a legally binding, original Master Promissory Note ( MPN ) originating from a XXXX XXXX XXXXXXXX XXXX XXXX, nor do they meet the standard of validation required for debt collection and consumer reporting. You have not fulfilled the core of my original request. 

Specifically : XXXX. You have not provided an original, fully executed XXXX from a federally approved XXXX XXXX 
The document you attached appears to be a XXXX-generated agreement dated XXXX. It does not include verification of the lenders authorization under the XXXX program nor does it prove it was originated under lawful procedures. 
XXXX. You have failed to provide the full legal chain of title for this debt. 
A servicing timeline does not prove legal assignment. I requested documented proof of lawful transfer from the original lender, to XXXX, to XXXX, and then to MOHELA. This has not been provided. 
XXXX. Your assertion of reaffirmation is unsupported. 
I do not acknowledge reaffirmation of a debt that has not been legally validated. Any historical payment activity or application for repayment plans does not override the fundamental requirement to establish a valid, legally binding obligation. 
XXXX. Your claim that this is a valid XXXX loan lacks evidentiary support. 
As you noted, this loan was never owned by the XXXX XXXX XXXX Therefore, the legal burden falls on you to show the original source, XXXX XXXX, and signed agreement from the originating XXXX XXXX 



Additional Concern : Name Discrepancy Upon close inspection of the documents provided, I noticed that the name listed on the promissory note is XXXX XXXX XXXX is not my legal name. My legal name is XXXX XXXX XXXX, and I have never legally used or signed documents under the name XXXX XXXX XXXX. 

This discrepancy raises further questions about the authenticity and enforceability of this debt and whether I am, in fact, the legally obligated party to the alleged loan. 

This significant variance in personal identifying information further supports my position that the documents you have provided are insufficient to validate the debt, and they do not establish a legally binding contract with me. 



Until you produce : A legally binding, original XXXX XXXX, with complete lender identification and borrower signature ; A complete and legally documented chain of assignment showing the lawful transfer of ownership of the debt ; And any proof of my explicit consent to the alleged XXXX consolidation I continue to consider this loan to be invalid, improperly documented, and uncollectible under federal law. 

Further collection efforts or continued reporting of this disputed debt to any consumer reporting agencies XXXX constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I request this matter remain under formal investigation by the Consumer Financial Protection Bureau. Please be advised that I will also be forwarding this matter to my state attorney generals office and, if necessary, seeking legal counsel. 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation