Consumer complaint received 2025-08-05 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: TN

Complaint narrative:
XXXX XXXXXXXX XXXX  EST - I just recorded a call which lasted over 1 hour and 27 minutes with the followed staff at Mohela/XXXX  : XXXX XXXX XXXX Bill Collections Customer Service Rep XXXX & XXXX XXXX XXXX Bill Collections Customer Service Team Leader & Assistant to XXXX XXXX XXXX Supervisor & Unit Collections Manager. Here is the link to that recorded call : https : XXXX In violation of a plethora of Federal and State of TN consumer rights laws, debt collection laws and regulations, and credit reporting laws, for over 12 months, XXXXMohela has been unable to validate the alleged Private Student Loans Debts owed in the following ways, and have abused me as a consumer/student in the following ways ( not limited to the following ways ) : 1. Can not define if interest rates are simple interest or compounding interest, 2. Can not explain basic data points on the consumer/student portal, 3. Lies about who controls the interest rates, and who sets them, and how they are set, 4. Can not identifiy the mailing address or contact information of the company who the debts allegedly orginated with, 5. Admits that past, repeated, research and document mailouts sent to me did not contain the information it was supposed to contain, that would be needed to validate the alleged debt amounts owed, 6. Staff are not able to explain the difference between simple and compound interest for the past 12 months, on top of not being able to inform me which type is applied to these alleged debts owed, 7. Staff are not able to explain when or how adjustments are calculated and applied when payments are made early or extra, 8. Staff acknowledge that online system provided to consumer/student does not shows interest rates at times of payment and adjustments in the Account History panel, 9. Staff repeatedly admits that they are trained to, and required to, lie to me about my rights to record my calls with them in an effort to cause me fear, stress, and harm, and to prevent me from gathering evidence about their inability to validate alleged debts, and to prevent me from documenting long term patterns of consumer/student abuse, 10. Staff is caught lying about a variety of matters, 11. Staff admits that despite an admitted over 73 documents mailed to me in the past 12 months, they are still unable to validate the debts, and answer basic and simple questions about the alleged amounts owed, and how those amounts were calculated, accounted for, originated, and recorded, 12. Staff pretended they can not see call logs that they can indeed see, admits they lied, refuses to provide data on total number of communications, but admits that it far exceeds over 21 calls this year XXXX alone, 13. Staff admits that they have no records to validate the debts, their interest rates, and their accounting between the time span of XXXX to XXXX, making debt validation an impossiblity, and they have admitted this in countless calls, and mail correspondences for over 12 months, 14. Staff states, " We don't know what your interest rates were in XXXX XXXX, 15. Staff states, " We don't know what your interest rates were in XXXX XXXX, 16. Staff admits they have received XXXX education on Federal and State laws regarding debt validation practices and requirements from MohelaXXXX  and that they have no ability to help me take those steps, because they have never been taught that those laws exist., 17. Staff becomes distractionary, insulting, unprofessional, repetitive, difficult, threatening, accusatory, and impossible to communicate with when attempting to discuss certain topics, because they know that they are breaking many laws, 18. Staff pretends that they don't know what is going on, when in fact they do know what is going on., 19. Staff is unable to name person or job title for who is responsible for continuing to illegally report that these invalid, and unvalidated debts exist., 20. Staff refuses to cease and desist reporting of invalid debts to all 3 credit bureaus, 21. Staff has not filed corrections to credit bureaus when having reported false information about me in the past 24 months, despite repeated requests, and evidence, on a variety of matters., 22. Staff repeatedly claims that Ombudsman and Mohela/XXXX XXXX with help further, but those departments never do help., XXXX. MohelaXXXX XXXXdmitted in writing twice that they were missing a large amount of transaction history, making these debts impossible to validate, and illegal to continue to collect on., and much more. 

Again, all of these have been long term patterns of behavior, well documented, and well established. 

I have filed multiple formal complaints additionally with all XXXX credit bureaus asking them to cease and desist allowing MohelaXXXX to report that these debts exist, in light of all factors. When attempting to get this properly handled, MohelaXXXX XXXX and all 3 Credit Burease ignore all Federal and State Laws which are applicable, and continue to report that invalidated, mismanaged, and abusive alleged debts still exist. Lastly, when I ask the Credit Bureaus to provide me with proof that debt validation was provided to them by Mohela/XXXX in the legally required time frams, they have all 3 been 100 % unable to provide any of that proof. 

I request to be included in any and all applicable lawsuits brought against MohelXXXX XXXX XXXX XXXX XXXX XXXX XXXX in regards to these and related matters, and I request to be contacted by any, and all, attorneys, law firms, and government agencies working to hold the above named entities accountable for they many unlawful and criminal actions and abuses against consumers, citizens, and students. 

Here is a list of some of the Federal and State Laws which they have all actively violated for over 12 months : Here 's a * * detailed list of both Federal and Tennessee State laws and regulations * * that you can include at the end of your formal complaint letter. These are commonly cited in matters related to * * debt validation, credit reporting, consumer protection, and fair debt collection practices * *. Each citation includes the legal source and a brief explanation of how it applies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Laws and Regulations Violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fair Debt Collection Practices Act ( FDCPA ) * * * * * 15 U.S. Code 1692 et seq. * * * Protects consumers from abusive debt collection practices. Violations include : * Failing to validate debts within 5 days of initial communication ( per 1692g ).

* Misrepresentation or deception ( 1692e ).

* Harassment, oppression, or abuse ( 1692d ).

* Unfair or unconscionable practices ( 1692XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX  Fair Credit Reporting Act ( FCRA ) * * * * * 15 U.S. Code 1681 et seq. * * * Regulates how credit information is collected, distributed, and corrected.

* Furnishers of information must report accurately ( 1681s-2 ).

* Credit bureaus must investigate disputes and remove unverifiable items within 3045 days ( 1681i ).

* Consumers have a right to dispute inaccurate information ( 1681i ( a ) ).

# # # 3. * * Truth in Lending Act ( TILA ) * * * * * 15 U.S. Code 1601 et seq. * * * Requires clear disclosure of key terms and costs of lending.

* Failure to clearly disclose interest rate types ( simple vs. compound ).

* Failure to provide an accurate accounting of payments and balances. 

XXXX XXXX XXXX XXXX. * * Consumer Financial Protection Act ( Title X of the Dodd-Frank Act ) * * * * * 12 U.S. Code 5481 et seq. * * * Prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ). 

* CFPB has enforcement authority over entities like MohelaXXXX XXXX 

XXXX XXXX XXXX XXXX XXXX * Electronic Fund Transfer Act ( EFTA ) * * * * * 15 U.S. Code 1693 et seq. * * * Requires accurate records and procedures for electronic payments.

* Lack of transaction history and mismanagement of online account data may fall under this.

# # # 6. * * Higher Education Act of 1965 ( as amended ) * * * Governs federal student loans and services. While private loans are not federally backed, * * improper administration of loans originally part of FFEL or other programs could trigger violations * * under this Act.

# # # 7. * * Gramm-Leach-Bliley Act ( GLBA ) * * * * * 15 U.S. Code 68016827 * * * Requires financial institutions to protect consumer financial data.

* Failure to provide adequate privacy notices and account security.

-- - # # * * Tennessee State Laws and Regulations Violated * * # # # 1. * * Tennessee Consumer Protection Act ( TCPA ) * * * * * Tenn. Code Ann . 47-18-101 et seq. * * * Prohibits unfair or deceptive acts or practices affecting trade or commerce.

* Debt collection and misrepresentation of loan terms qualify.

* Each deceptive statement or omission could constitute a separate violation. 

# # # XXXX. * * Tennessee Collection Service Act * * * * * Tenn. Code Ann . 62-20-101 et seq. * * * Regulates the conduct of debt collectors in Tennessee.

* Collectors must be licensed and follow state rules regarding communication and representation. 
* Failure to validate debts or provide proper accounting is a violation. 

# # # XXXX. * * Tennessee Credit Services Businesses Act * * * * * Tenn. Code Ann . 47-18-1001 et seq. * * * Protects consumers from fraudulent credit repair or reporting practices. 

* Credit reporting agencies can be liable for continuing to report false or unverifiable information. 

# # # XXXX. * * Tennessee Privacy of Communications Act * * * * * Tenn. Code Ann . 39-13-601 * * * One-party consent state : * * Recording phone conversations is legal as long as one party ( you ) consents. * * * Mohela/Navients threats or lies about recording legality XXXX be construed as intimidation or deception. 

XXXX XXXX XXXX XXXX  * * Tennessee Unfair Trade Practices Law * * * Broad protections against unethical business conduct. 

* Failing to respond to consumer complaints, providing false information about debt, or mismanaging accounts may fall under this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Federal Criminal Code : * * * 18 U.S. Code 1001 * * False statements made knowingly to a federal agency may be a federal offense if applicable to correspondence with agencies like CFPB or Dept. of Education. 

Closing Summary : The above list outlines a representative sample of the Federal and Tennessee State statutes that have been continuously violated by Mohela/XXXXt XXXX and the associated credit bureaus XXXX XXXX their handling of my accounts, communications, and rights as a consumer and former student. I request that appropriate legal and regulatory action be taken, and that I be contacted regarding any ongoing litigation or enforcement actions pertaining to these violations.

Company response to consumer: Closed with explanation