Consumer complaint received 2025-06-27 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: WA

Complaint narrative:
ISSUE XXXX : Missing Original Master Promissory Note ( MPN ) Legal Basis : FCRA XXXX ( a ), XXXX ( b ) The continued reporting of student loan debt without producing the original, wet-ink signed Master Promissory Note ( MPN ) constitutes a violation of federal consumer reporting laws. Summary data, digital records, or screenshots are not sufficient under federal evidentiary standards when a debt is disputed. 

Demand : Delete the student loan tradeline ( XXXX ) unless the data furnisher provides the original physical MPN proving a valid, enforceable contract. 

ISSUE XXXX : Failure to Accurately Reflect Current Loan Status Legal Basis : FCRA XXXX ( b ) If the loan is currently under administrative forbearance, deferment, or federal XXXX hold due to national policies ( such as those under the XXXX  Act ), it must not be reported as delinquent or in default. 

Demand : Verify whether the account is subject to any federal pause. If so, correct the account to reflect In Forbearance. If unverifiable, the account must be removed. 

ISSUE XXXX : Violation of XXXX XXXX and XXXX Guidelines Legal Basis : XXXX XXXX Format ( XXXX ) ; FCRA XXXX ( b ) XXXX XXXX standards require complete, up-to-date, and contractually verifiable information. XXXX disputed, paused, or legally unverified loans as derogatory violates industry reporting standards. 

Demand : Remove any student loan entry that is not in full compliance with XXXX XXXX format and CDIA guidance. 

ISSUE XXXX : Lack of Method of Verification ( MOV ) Legal Basis : FCRA XXXX ( a ) ( XXXX ) You are required to provide the Method of Verification ( MOV ) used to confirm the accuracy of the disputed tradeline. This must include : The name and address of the furnisher A summary of how the account was verified The exact documents reviewed Demand : If MOV can not be supplied with specificity, the tradeline must be deleted. 

ISSUE XXXX : No Acknowledgment of XXXX This dispute does not constitute an admission or acknowledgment of any alleged debt. Unless proven with an enforceable contract and complete verification history, I do not recognize the validity of the loan ( XXXX ) in question. 

ISSUE XXXX : Request for Dispute Statement Inclusion Legal Basis : FCRA XXXX ( XXXX ) Should the item remain on my report, I demand that a " Statement of Dispute '' be added to all tradelines under investigation. This must be visible to any third party reviewing my credit. 

ISSUE XXXX : XXXX and XXXX XXXX XXXX to the reporting of inaccurate, outdated, and unverifiable student loan data, I have XXXX  XXXX  of access to fair credit, housing opportunities, and increased XXXX XXXX. If this matter is not resolved within the required timeframe, I will : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) Notify my State Attorney Generals office Consider legal action under FCRA XXXX and XXXX for statutory, actual, and punitive XXXX

Company response to consumer: Closed with explanation