Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: FL

Complaint narrative:
Subject : Request for Deletion of Inaccurate Student Loan Information To Whom It May Concern : I am writing to formally request the deletion of inaccurate and erroneous information regarding my student loans that is currently listed on my credit report. I have identified several discrepancies and inaccuracies that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Furthermore, I am a beneficiary of the Sweet v. Cardona settlement, which should have resulted in the discharge of my student loans.

According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. If they can not verify the disputed information, they must remove it from my credit report. 

I am disputing the following items in my credit report : Account name : XXXX of XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16811s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S Code 6802 ( 1 ) ( A ) ( B ) ( C ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request the validation of the debt in question. Debt collectors must provide accurate information and validate any debt they are attempting to collect. If the debt collector can not provide validation, the information must be deleted from my credit report.

Moreover, I am a participant in the Sweet v. Cardona settlement, which specifically addresses the discharge of student loans for borrowers who were subjected to fraudulent practices by their educational institutions. According to the settlement, my student loans were supposed to be discharged. However, these loans are still being reported on my credit file inaccurately.

Please conduct a thorough investigation of my claims and provide me with the results of your findings. If you find that the information can not be verified, I request that you immediately delete the disputed entries from my credit report. 

Furthermore, I request written confirmation of the deletion once the inaccuracies have been addressed. This letter also serves as a formal notification that I am exercising my rights to ensure that only accurate and verifiable information is reported on my credit file. 

Thank you for your prompt attention to this matter. I look forward to your swift response within the 30-day period as mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX

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