Consumer complaint received 2025-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NJ

Complaint narrative:
Date : XX/XX/year> To : MOHELA XXXX XXXX XXXXXXXX XXXX, XXXX  XXXXXXXX XXXX : U.S. Department of Education Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Office of the State Attorney General Mohela Loan Servicer Subject : Formal Dispute and Immediate Deletion Request of Student Loan Records To Whom It May Concern, I am writing to formally dispute and demand the immediate deletion of all student loan records associated with my name and Social Security number from MOHELA and the U.S. Department of Education . This letter is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ) and other applicable laws.

I am a licensed Nurse Practitioner, having practiced in service to the public for over 20 years, including in high-need and underserved populations, including during COVID pandemic. I have worked on behalf of communities and patients who rely on the highest ethical and legal standards. It is therefore deeply concerning and legally unacceptable that my personal data has been mishandled, misused, or accessed without proper authorization. 
Grounds for Dispute and Deletion Request : Unlawful Access and Use of Data My personally identifiable information ( PII ), including email address and loan account data, was accessed by the Department of Justice ( DOJ ) through the Department of Education without consent or legal justification. This constitutes an unauthorized access and a violation of federal data privacy protections.

Violation of FERPA ( Family Educational Rights and Privacy Act ) Any student loan servicing activity that involved the sharing or mishandling of my education records without consent is a clear violation of FERPA, which protects the privacy of education records.

Data Breach and Institutional Dissolution The previous XXXX Department of Education failed to ensure proper safeguards were in place to protect sensitive loan data. Combined with publicly reported data breaches, this creates an unrecoverable chain of custody failure. Such systemic failure undermines the legitimacy of continued data reporting. 
Failure to Verify and Report Accurate Information Under FCRA 611, I dispute the accuracy and legitimacy of any records currently held or reported by MOHELA or affiliated entities. I demand verification and certified documentation proving that these loans were lawfully originated, processed, and disclosed in accordance with federal regulations.

Public Service and Legal Standing Given my professional role as a health provider and longstanding public service record, any continued reporting of these disputed loans causes reputational, financial, and professional harmespecially when legal due process and privacy have been breached.

Requested Actions : Immediate deletion of all student loan records held or reported by MOHELA and related agencies.

Cessation of all data sharing and reporting of these accounts to credit bureaus.

Written confirmation that these accounts have been removed and all related negative reporting has been suppressed.

Forwarding of this dispute to all appropriate supervisory agencies, as required by FCRA compliance.

Failure to take corrective action will result in further legal escalation through : A formal complaint with the Consumer Financial Protection Bureau A privacy and FERPA complaint with the U.S. Department of Education A grievance with the Federal Trade Commission for unfair practices A data misuse and consumer protection complaint with the State Attorney General Please consider this letter as notice of dispute, legal demand, and request for resolution under applicable federal statutes. I request your written response within 30 days, as required by federal law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Phone Number : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation