Consumer complaint received 2025-11-22 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Mohela/U.S. Department of Education XXXX XXXX XXXX XXXX, MO XXXX Re : Formal Dispute & Request for Full Deletion of All Student Loan Accounts Accounts : XXXX ( {$59000.00} ) To Whom It May Concern : This letter serves as my formal dispute and demand for deletion of all student loan accounts listed above that are currently being furnished to the consumer reporting agencies by the Mohela/U.S. Department of Education and/or its contracted servicers. The information being reported is inaccurate, incomplete, unverified, and non-compliant with multiple federal standards. Because these accounts can not be verified with complete accuracy and have been reported in violation of federal reporting requirements, I am requesting the removal of all associated tradelines from all consumer reporting agencies. 

XXXX. Violations of FCRA 1681s-2 ( a ) FCRA 1681s-2 ( a ) requires furnishers to report information that is accurate, complete, and verifiable. 
Any information that can not meet these requirements must be corrected or deleted. My accounts contain reporting discrepancies, incomplete information, inconsistent histories, and unverifiable data. 
As such, they can not remain on my credit file. 

2. Metro 2 Compliance Violations These accounts show potential violations of required Metro 2 standards, including missing or inaccurate Date of First Delinquency, conflicting or incorrect status codes, fragmented or duplicated loan segments, inconsistent payment histories, and missing or incomplete data fields. 

XXXX. XXXX  Lawsuit Findings ( XXXX XXXX XXXX XXXX ) The AFT lawsuit confirmed widespread servicing errors, misapplied payments, false delinquency reporting, inaccurate loan statuses, and documentation failures. Because these systemic problems have been acknowledged by the Department of Education, I am demanding verification that my accounts do not reflect the same errors. If they can not be proven accurate, they must be deleted.

4. CFPB Regulations & Reporting Requirements CFPB supervisory guidance requires student loan furnishers to maintain accurate, verifiable reporting, correct errors promptly, properly apply payments, and maintain documentation. Information that is incomplete, inaccurate, or unverifiable must be deleted. 

FORMAL REQUEST FOR DELETION I am formally requesting the immediate deletion of ALL student loan tradelines associated with accounts # XXXX. The account are inaccurate, unverifiable, incomplete, and reported in violation of federal law. 

Required Documentation To validate these accounts, provide original promissory notes, complete payment histories, transfer and servicing logs, Date of First Delinquency, XXXX XXXX codes, and records of any servicing corrections tied to the AFT lawsuit. If any documentation can not be provided, you are required to delete the accounts. Signed XXXX, Chain of Custody, Proof of legal authority of loan servicer and full leger ( deferment and forbearance ) Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response