Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: MO

Complaint narrative:
XXXX XXXX XXXX : XXXX, XXXX Consumer Dispute Center XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Creditor : MOHELASRVCN XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Creditor Account number XXXX XXXX Creditor Phone number : XXXX Re : Request for Removal of Inaccurate Student Loan Information from My Credit Report Account Number : N/A [ Non-Reported ] To Whom It May Concern, I am writing to formally dispute the inaccurate information related to the student loan debt listed on my credit report ( s ) under the Creditor account information referenced above. I am requesting that the item be fully investigated and, if it can not be fully verified of original contract and/or all purchase agreements, must be removed from my credit file as provided for under the Fair Credit Reporting Act ( FCRA ).

Under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, I am entitled to request the removal of negative or inaccurate information from my credit report, including any item that can not be verified within the required 30-day investigation period. As per FCRA guidelines, any information that can not be properly verified must be removed from my credit file.

According to FCRA Section 605B it is illegal to report anything on my credit report without my permission.

Further violations of FCRA Law Under Section Pursuant to 18 USC 8, 1 ) I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my information pursuant to 15 USC 1681 4.

Also per FCRA guidelines 15 U.S.C 1681, governs the right to privacy of accessing consumer credit report records and any information published, sold and/or exposed illegally FCRA prohibits such activities against data breaches, data breaks and protected against illegal dark web activities and illegal usage of my identity and personal information in order to obtain financial lending failures of any CFPB banned XXXX XXXX XXXXXXXX XXXX and entities. 

I ask that you provide documentation or evidence to verify the original contract, all purchase agreements and for accuracy of this debt. If no such verification exists, I expect the item to be removed from my report immediately. 

As per Section 607 of the FCRA, credit reporting agencies are required to ensure that the information they provide to creditors and other entities is accurate. If an item is inaccurate, incomplete, or unverifiable, it must be corrected or deleted.

Please treat this letter as a formal request. If you can not verify the debt within the legal federal guidelines of FCRA & CFPB Law please remove the information from my credit file, as required by law. 

Enclosed, I have included supporting documentation that I have regarding this matter and proof of identity. 
I look forward to your prompt resolution of this matter. Thank you. 

Sincerely, XXXX XXXX XXXX Enclosures : Proof of Identity, Creditor Reporting Details

Company response to consumer: Closed with explanation