Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
I had an incorrect XXXX late payment reported to the credit bureau in XX/XX/year>. I work with XXXX XXXX XXXX on a forgiveness plan in which I pay them, and they submit the payments to Mohela. When the XXXX late payment was sent to the credit bureau , I was notified via email that my scores has dropped around XXXX points across all XXXX. This was extremely alarming as I had never received any email or notices that I was behind in any way ( because I wasn't ). I immediately contacted XXXX XXXX XXXX in which they provided me with a dispute letter to submit to Mohela as the credit bureaus noting that I was in good standing and they my payments are on-time. I submitted disputes to the credit bureaus and had this resolved from XXXX 2025. They acknowledged the dispute and corrected my account. However, since then the XXXX late payment keeps getting re-reported to my account and significantly dropping my score. In addition, it appears as though my Mohela account as a whole keeps getting removed and re-added as a new account - also significantly fluctuating my score. This has made it difficult for me to work on maintaining good credit as well as purchase a new car and home. I reached out to Mohela directly and sent the dispute letter again in which they responded that they would not fix the reported data. They have not been cooporative and it is clear that all of the re-posted information keeps coming from their side. In addition, I have not been able to access my promissory note which has been another issue. 

ive submitted disputes to XXXX XXXX and XXXX dating back to XX/XX/year>. All were initially resolved and negative remarks were removed from my credit score ; however, they keep reappearing and getting re-reported. For example, my credit score was in the XXXX in XXXX and randomly got dropped upwards of XXXX points from my Mohela account getting removed, re-reported, and XXXX day past due balances getting re-reported. Its been a hassle. I submitted a new dispute to the XXXX credit bureaus at the end of XXXX when it got reported again and just got results noting that it was removed from my report last week and my score went back up. However, I logged in yesterday and everything got re-reported and my score dropped the XXXX points again. Im trying to get this resolved so I dont keep having fluctuations and having to re-submit disputes. Its messing up my credit history with large drops and rises. I believe its all coming from Mohela directly so I think it needs to be resolved with them, but they are not being very helpful. Disputes in general are not very timely so it's been frustrating that this has been an ongoing issue since XXXX of 2025. I have felt tied to daily credit monitoring to make sure I'm keeping it accurate, but it's been draining and diminishing my hope of credit repair when this should not have been an issue in the first place. 


Mohela has historically had a lot of issue with lack of communication, incorrect payment reporting, incorrect credit reporting, and overall is not honest with their users. This must be addressed and corrected. 


I have attached supporting documentation. Please let me know if you need additional information.

Company response to consumer: Untimely response