Consumer complaint received 2025-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: AL

Complaint narrative:
The relevant population is XXXX students who first enrolled between XX/XX/XXXX and XX/XX/XXXX and who owe debt directly to the University. Other debt, including, but not limited to, federal student loans are not affected by the settlement agreement. If you have questions about any existing student loan debts you may have, please contact your loan servicer for more information. If you need assistance with student loans please use this website XXXX XXXX XXXX XXXX  or call XXXX Your enrollment date is XXXX, and you do not have a balance due to the University, therefore your account is not part of the FTC settlement. 



If you have additional questions, please refer to our microsite at XXXX or XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not true as I was in school during the time alloted - See below XXXX XXXX XXXX XXXX XXXXXXXX, XXXX to me Dear XXXX XXXX, XXXX XXXX for contacting XXXX. Our CEO, XXXX XXXX, has requested that a member of the Ombudsman Team contact you directly for additional information and follow-up. Our main focus is to address any underlying concerns and ensure our customers always have the right information. Your account has been assigned, and we will contact you in writing within XXXX business days. We also will keep XXXX XXXX apprised of the resolution. 



Sincerely, XXXX XXXX. 



XXXX Ombudsman XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone XXXX | Fax XXXX XXXXXXXX XXXX mohela.com Dear XXXX XXXX, I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally request your review and assistance regarding my federal student loans currently serviced by XXXX. This request pertains to a XXXX XXXX to XXXX  application, which has not been updated since XX/XX/XXXX, as well as XXXX XXXX XXXX XXXX ( XXXX  ) payment discrepancies. 
I have faithfully served in the field of education for over XXXX years, dedicating my career to teaching and supporting students. Despite this, my XXXX account only reflects XXXX qualifying payments, which I believe significantly underrepresents my actual service time. I respectfully request a full audit and correction of my XXXX  payment count. 
In addition, I am asking for the removal of these student loans from my credit report and for the balance to be zeroed out based on the pending XXXX XXXX application and my ongoing service as an educator. This request is made not only on the grounds of fairness and eligibility, but also out of urgent personal need. 
My partner and I are expecting a child soon, and we are currently working toward purchasing our first home. These student loan issues are creating major barriers in our lives during what should be a joyful and exciting chapter. As a committed educator and public servant, I am simply asking for a chance to live a stable, decent life while continuing to serve our children and communities. 
All supporting documents have been attached for your review. I kindly and respectfully ask for your support in helping bring a resolution to this matter. 
Name : XXXX XXXX Last XXXX of XXXX : XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Thank you very much for your time, compassion, and consideration. I would be grateful for any assistance you can provide. 
Sincerely, XXXX XXXX XXXX sent directly to them as it's been XXXX  months and XXXX  years exactly on XX/XX/XXXX which I sent in my borrowers defense claim with no response. 

Subject : Request for Student Loan Discharge and Credit Report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Attachments XXXX XXXX, XXXX, XXXX to info, XXXX Dear XXXX XXXX XXXX I hope you're doing well. My name is XXXX XXXX, and XXXX writing to request your help regarding my federal student loans with XXXX. 

I submitted a XXXX XXXX application that has not been updated since XX/XX/XXXX. In addition, my XXXX XXXX XXXX XXXX ( XXXX ) record only reflects XXXX payments, though Ive been an educator for over XXXX  years and believe this number should be significantly higher. 

I respectfully ask that my loans be removed from my credit report and that my account be zeroed out based on these concerns. My partner and I are expecting a child and trying to buy our first home, and resolving this would make a huge difference in our lives. 

Please find attached the necessary documents for your review. I deeply appreciate your time and consideration. 

Best regards, XXXX XXXX Last XXXX of XXXX : XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX In addition, the XXXX credit bureaus have my name as XXXX XXXX which my name has never been that, I receive mail and phone calls based on this inaccurate name change that has occurred for year. Another letter I'll be sending out today. 

Category : Credit reporting, credit repair services, or other personal consumer reports Credit reporting Incorrect information on your report Complaint Narrative : I am filing this complaint because my credit report contains inaccurate and unverified information that has not been corrected despite multiple disputes over the past XXXX years. 

Incorrect Personal Information : My name is being reported as XXXX XXXX. This is not my name. I have received calls and mail from other agencies attempting to reach XXXX XXXX, which clearly indicates a case of mistaken identity. 

Incorrect XXXX XXXX XXXX : My student loan account is showing as delinquent. This is incorrect because I have the required payment count for the loan to be current. Despite providing this information previously, the error has not been corrected. 

Failure to Properly Investigate : Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), the credit bureau and/or furnisher is required to conduct a reasonable investigation of disputed information. They have failed to do so. 

Lack of Proper Verification : I requested verification of the account, including the original purchase agreement, but have not been provided with valid documentation. 

I am requesting : Immediate deletion of the inaccurate account ( XXXX ) from my credit file A copy of the original purchase agreement and documentation used to verify the account Statutory damages of {$1000.00} for violations of the FCRA and FDCPA The ongoing reporting of false information is causing me financial harm, including difficulty obtaining credit and housing. 

Your federal loan account numbers are listed below : Loan Type Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response