Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX and I am filing this complaint because XXXX  has falsely reported late payments on my MOHELA Department of Education XXXX loans in violation of federal law. The late payment entries appearing on my credit report are completely inaccurate, unverified, and contradict the actual payment status of my account which has remained in a deferred status throughout the reporting period. 

XXXX  falsely claimed that these late payments were verified as accurate when no such verification exists. Under the Fair Credit Reporting Act FCRA XXXX XXXX the credit bureau is required to conduct a reasonable reinvestigation and provide supporting documentation from the furnisher to prove the accuracy of the disputed information. XXXX  has failed to do so. They have also violated XXXX XXXX reporting guidelines which require data furnishers and bureaus to ensure uniform and timely reporting across all credit files. The same account is reported differently on XXXX  and XXXX  creating inconsistent and contradictory data. 

The MOHELA account XXXX is being reported with conflicting information on payment history and date of last activity. According to the records visible in my report the loan is marked as open and current with a XXXX monthly payment because it is in deferment yet XXXX has attached late payment indicators that do not exist on the lenders records. Reporting a deferred student loan as delinquent is a misrepresentation of fact and a direct violation of FCRA Section 623a1A and the Fair Credit Billing Act. 

This inaccurate reporting has caused severe damage to my XXXX XXXX my ability to obtain fair credit terms and my emotional and financial stability. Despite submitting multiple disputes and providing documentation XXXX  has refused to provide any proof of verification or correction. Their response falsely stated that the information was confirmed accurate without producing a single piece of supporting evidence or written documentation from the furnisher. 

I also submitted a formal written demand requiring XXXX  to conduct a lawful reinvestigation under FCRA Sections 609 and 611 and to delete any unverifiable data. They have not complied. Their actions demonstrate willful noncompliance and a complete disregard for my consumer rights. This behavior constitutes a violation of 15 USC 1681n and 1681o for willful and negligent reporting practices and failure to correct known inaccuracies. 

In addition XXXX response delays and refusal to process my disputes may also constitute an illegal stall tactic. I have attached a prior written notice warning that any delay in processing consumer disputes based on assumptions of XXXX  involvement is unlawful under 15 USC 1681i. The bureaus failure to act promptly and fairly represents a direct violation of that statute.

This situation has caused me emotional distress loss of credit opportunities and harm to my financial reputation. I have lost confidence in the reliability of XXXX reporting system and in their willingness to comply with the law.

Company response to consumer: Untimely response