Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: GA

Complaint narrative:
Hi I am XXXX XXXX XXXX, Georgia is a contract state, I/co-signers do not owe any collection agency. I/co-signer live in the state of Georgia, we do not owe any sold contracts/debts nor any original contract ( s ) that can not nor were not shown as proof of burden per request as stated by law/consitution. I have requested proof of the original student loan contract and was not provided it electronically nor via mail within 60 + days of request date from the Mohela nor from CFPB ( last response via email from CFPB was received XXXX stating response shall be received within 60 days ). My original complaint was submitted to CFPB XXXX. These student loans should be removed from being owed by me or any co signers associated with loans. Loans should also stop reporting to all credit bureaus as delinquent or at all for that matter. These student loans should be forgiven and not reported as delinquent. I nor co-signer do not want to defer these loans as the documents requested have not been presented in the specified time frame which leads to the understanding that the documents requested can not be found, reported, nor presented legally. There was also a breach on federally protected student loan privacies in 2025 therefore these student loans shall be forgiven, forgotten and shall not be reported to any of the three/four credit bureaus as delinquent/owed to affect my/co-signers credit score negatively. I nor co-signer ( s ) do not claim these student loans nor have the evidence that has been requested stating that I / co-signer are the owners of these loans been presented. Please write off all student loans forgiven or unforgiven for all signees and co-signers as efficient documentation proving signed/owed documentations have not been provided to claimant ( s ) within sufficient timing. I am currently trying to rebuild my credit and since these student loans have been reporting delinquent, my credit scores has taken a turn for the worse after taking steps to rebuild it and seeing improvements before the student loan reportings. Please remove all reported delinquent accounts and cease all current/future reportings to any of the three/four credit bureaus regarding these student loans on my/co-signers behalf. I also included my contact info XXXX in the original complaint as I did not have a way to change my contact info via CFPB. I also just called XXXX for an update before submitting this but the auto status says same update as previous update. I have followed up with no clarity. Please write off any/all student loans associated with me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX and/or any co signers being accused with these student loans. Me nor any co signer should be held liable for any student loan debt nor should loan debts be reported to any credit bureaus as delinquent or any negative remarks be made against us. Please follow up at contact is XXXX or XXXX. Thanks! 

Claimant # XXXX

Company response to consumer: Untimely response