Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: OH

Complaint narrative:
On XX/XX/year> I sent MOHELA a XXXX XXXX XXXX XXXX for Verified Accounting re an alleged student-loan balance of about {$110000.00} ( earlier statements showed {$110000.00} ) for acct [ last XXXX XXXX ]. I asked for : the original wet-ink note/contract, complete chain of custody/assignments, sworn, itemized accounting ( ledgers, disbursements, charge-offs/re-agings, fees ), any XXXXXXXX XXXX if the debt was securitized/monetized, XXXX  disclosures, and FCRA furnisher records XXXX XXXX XXXX 
Problem : I have not received complete, sworn verification ; collection and credit reporting continued. I allege misreporting, unjust enrichment, and constructive fraud arising from attempts to collect/credit-report without verified proof and without disclosures about monetization/securitization. I request CFPB intervention, a hold on collections/credit reporting, a sworn accounting, and referral to XXXX as appropriate. 

What happened STANDARD ( most portals ) On XX/XX/year> I mailed MOHELA a XXXX XXXX XXXX XXXX for Verified Accounting concerning an alleged student-loan balance of {$110000.00} ( prior figure {$110000.00} ) tied to my account ( last XXXX XXXX ). I did not refuse to pay ; I conditionally accepted upon verified proof of claim within XXXX  days, with a tacit agreement notice for non-response. 

I requested, under oath by a knowledgeable affiant : the original wet-ink promissory note/contract ( front/back ) and allonges/endorsements ; complete chain of title/assignments and authority to service/collect ; a sworn, itemized accounting ( XXXXXXXX, disbursements to school, refunds, interest, fees, charge-offs/re-agings, reversals, adjustments ) ; any XXXX XXXX identifiers and documents if the receivable was sold/pledged/securitized/monetized, including trust name, XXXX XXXX, and proceeds/guaranty/insurance payments ; TXXXX XXXX  disclosures and any federal-funding certifications tied to the account ; FCRA furnisher records ( XXXX XXXX, dispute procedures XXXX CRA notices ) ; FDCPA validation, identification of the legal creditor, and XXXX XXXX on to assert amount/ownership/enforceability ; XXXX/identity controls ; all communications logs. 

Issues/Harm : Despite my written dispute and demand for sworn verification, MOHELA ( and any agents ) have continued collection and negative credit reporting. I allege ( as consumer allegations ) misreporting, unjust enrichment ( fees/amounts without verified basis ), constructive fraud, and failures in contract/commerce/trust/equity duties, with potential implications for FCRA, XXXX XXXX, XXXX, and XXXX acts ( XXXX  XXXX XXXX If the account was monetized/securitized without disclosure, that raises additional concerns ( including tax/charge-off treatment and who is the true creditor/beneficial owner ). 

Requested CFPB action : Order an immediate hold on collections and suppression/correction of the tradeline during investigation ; Require a point-by-point sworn accounting and original-document production ; Compel furnisher compliance ( FCRA XXXX ) and validation ( XXXX  ) ; Because federal program funds/servicing XXXX be implicated, coordinate and refer to XXXX as appropriate ; Direct all parties to place a legal hold on emails/XXXX  XXXX XXXX XXXX, ledgers, and credit-reporting records. 

Attachments : my XX/XX/year> XXXX XXXX ( with numbered demands ) and mail receipts.

Company response to consumer: Untimely response