Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: OH

Complaint narrative:
I am writing to address significant discrepancies and inaccuracies related to the reporting of my loan information to all three credit bureaus : XXXX, XXXX, and XXXX. Despite having initiated 3 disputes regarding these issues, it appears that MOHELA has continued to provide inconsistent and incorrect information to each bureau. These inconsistencies significantly misrepresent my financial responsibility and have the potential to adversely affect my credit score. 

The issues at hand include several key areas of concern. First, MOHELA has reported varying information to each credit bureau, which not only undermines the integrity of my credit report but also reflects negatively on my overall financial standing. Additionally, the terms of my loans under the Public Service Loan Forgiveness ( PSLF ) program have not been reported accurately ; specifically, my qualifying payments do not appear to have been counted correctly. I have also noticed discrepancies in the payment history reported to my XXXX credit report compared to the XXXX report, calling into question the accuracy of the information being provided. To complicate matters further, each of my credit accounts shows different payment dates, creating confusion and undermining the validity of your reporting. 

These inaccuracies in reporting are in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 602, 605, and 611. Section 602 establishes the duty of furnishers to provide accurate information, while Section 605 relates to the reporting of inaccurate data and the requirement to correct such errors upon notice. Section 611 mandates that furnishers investigate any disputes brought to their attention and report their findings back to consumers. Additionally, pertinent case law, such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX  emphasizes the obligation of lenders and furnishers to ensure that accurate information is reported ; failure to do so can lead to liability under the FCRA. Furthermore, in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court underscored that informations furnishers like MOHELA are required to have procedures in place to ensure accuracy and adherence to the statute. Mohela does not have procedures in place to ensure accuracy since all of my credit bureaus have different information and knows that I am PSFL and put it as 130 months terms which goes against the requirements of the PSFL program. 

Given these significant discrepancies and your responsibility to ensure accurate reporting, I urge MOHELA to conduct a thorough review of my account records. I insist that the account be removed from all three of my credit reports due to the inaccuracies present. My next step will bring litigation for intentional negligence and failure to address 3 previous disputes.

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