Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MOHELA
State: KY

Complaint narrative:
What happened? 
on XX/XX/XXXX I sent 3 certified emails to each credit bureau XXXX, XXXX and XXXX stating my credit report has incorrect info. I paid The credit Team for a play book on how to dispute misinformation on credit reports and they sent me a packet which included letters to send to credit bureaus. Which stated that according to 15 usc 1681 : ( 5 ) that they are required to update and modify the details of each account listed and according to 150 sc 168.1 ( 5_2 that its a {$10000.00} per violation for non removal of incorrect information. There is XXXXXXXX XXXX  debt which has been paid due to homelessness and wasn't to be on report due to the Law. There is XXXX XXXX XXXX XXXX account {$480.00} which i don't have XXXX has phone which i disputed with you and XXXX so they know I don't have phone I have proof it was mailed certified Mailand they signed for it, XXXX XXXXXXXX removed the debt then a year later XXXX XXXX which phone was from came back and lied on credit report stating I have possession of the phone which I'm with credit and use android phone.wow.Also XXXX phone/internet for {$300.00} this is defiantly not my account I have been homeless for a year so who ever moved into that hose XXXX has acquired that debt, that lives in the hose, I have not use XXXX for over 15 yrs and when I was in the home I used XXXX I only use XXXX internet service, I filed 3 disputes and they all refused to removed the false information and now they locked me out of my accounts so I cant freeze them are anything, they refuse to accept post office box for address but I'm homeless and dont have phisacl address. " I don't know what to do I paid companies to help me and now im loosing money, and most important to to bad credit reporting on my credit I cant rent apartment are homes because of bad credit, also my student debt was erased but Moellea debt collecters picked up {$86000.00} from XXXX " This is a major cause of homelessness. " all the apartment and projects housing programs XXXX XXXX was due to my credit report '' I cant even prove my Identy because it has been stolen and Im on the XXXX web a person XXXX XXXX hacked my XXXX  account also my phone number, so who can you trust, No One I have for help to no avail.. Please help me Thank you I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 
Inactive modal Inactive modalEdit this section What would be a fair resolution to this issue? 
to remove all false information from my credit report update it and make the company XXXXXXXX XXXX and XXXX XXXX prove I have the phone and also prove I have internet with XXXX, whos selling my inforamtion and why? why do they allow any one to purchased closed account and abuse it wowhelp for homeless Step 4 Inactive modalEdit this section What company is this complaint about? 
Company Information Moella XXXX XXXX XXXX XXXX XXXX Date of birth XX/XX/XXXX Other information about this company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX collecting debt for XXXX internet Additional Credit Reporting Company XXXX XXXX Date of birth XX/XX/XXXX Other information about this company Complaint also submitted to this company? 
Yes Attempted to fix with this company? 
Yes Did you request information from the company? 
Yes What information did you request? 
remove closed debt Did the company provide this information? 
No Additional Credit Reporting Company moella debt student loans Date of birth XX/XX/XXXX Other information about this company Moella XXXX XXXX XXXX XXXXXXXX student loans Complaint also submitted to this company? 
Yes Attempted to fix with this company? 
Yes Did you request information from the company? 
Yes What information did you request? 
Did the company provide this information? 
No Step 5 Inactive modalEdit this section What people are involved? 

Your contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States

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