Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against MOHELA ( Missouri XXXX XXXX XXXX XXXX ) for unlawful reporting, inaccurate data furnishing, and noncompliance with federal credit reporting and consumer protection laws. 

MOHELA continues to furnish unverifiable and misleading information about my student loan account to the national credit reporting agencies ( Experian, Equifax, and TransUnion ). These actions have caused damage to my credit reputation, created financial hardship, and violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act of 2010. 

XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 & 1681i MOHELA has reported inaccurate information to the consumer reporting agencies and failed to verify or correct these inaccuracies upon dispute. This violates their duty to maintain accuracy and conduct a reasonable reinvestigation under 15 U.S.C. 1681s-2 ( b ) and 1681i ( a ).

Despite my formal disputes, the same unverifiable data remains on my credit report, demonstrating either willful or negligent noncompliance.

2. Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e MOHELA, or its third-party agents, have furnished information that falsely represents the character and amount of a debt. They have failed to provide validation of the debt, including proof of ownership, an original promissory note, and complete payment history, as required by law.

3. Systemic Mismanagement & Class Action Activity MOHELA is currently subject to class action lawsuits for misreporting and mishandling borrower accounts ( Doe v. MOHELA, E.D. Mo., 20232025 and related cases ). These legal proceedings allege the same types of inaccuracies that I am personally experiencing.

Given the CFPBs oversight authority and MOHELAs role as a federal loan servicer, I request the Bureau to investigate their reporting and compliance practices.

4. Damages and Harm These inaccurate reports have : Lowered my credit score due to false delinquency information Created barriers to employment and housing applications Caused emotional distress and financial hardship The reporting continues despite prior disputes, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which requires deletion of unverifiable data.

5. Requested Action I respectfully request the CFPB to : Conduct a full investigation into MOHELAs reporting and dispute-handling procedures.

Compel MOHELA to immediately delete or correct any unverifiable or inaccurate data furnished to the credit bureaus. 

Impose appropriate penalties for violations of federal law. 

Require confirmation in writing that this account has been corrected or removed from all credit files. 

I have attached supporting documentation, including copies of my credit reports and dispute letters sent to Experian, Equifax, and TransUnion. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: In progress