Consumer complaint received 2025-07-17 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/2025 Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX Washington XXXX DC XXXX Subject : Follow-Up to CFPB Complaint Formal Request for Permanent Removal/Discharge of Student Loans Pursuant to FCRA Dear CFPB Representative, This letter serves as a formal follow-up to my previously submitted complaint regarding the mismanagement and improper reporting of my XXXX student loan account. I am submitting additional evidence and expanding the scope of my concern to include systemic issues now facing student borrowers, particularly as they pertain to the Fair Credit Reporting Act ( FCRA ), unlawful data reporting, and current policy decisions impacting loan holders. 

Please find attached the student loan account ledger, which clearly demonstrates that my loan has been in continuous forbearance and that no interest was charged during the relevant periods. This is critical proof that the loan was never in active repayment and should not be accruing interest or reflecting negatively on my credit report. Reporting the account otherwise constitutes a material misrepresentation of my financial history. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), loan servicers are obligated to furnish accurate and complete information to consumer reporting agencies. The false or misleading inclusion of interest, payment activity, or delinquencieswhen the loan was officially in forbearance and not in repaymentrepresents a direct violation of FCRA. I therefore renew my demand for the permanent removal and discharge of the misrepresented student loan record from my credit profile. 

Additionally, I must express my strong opposition to the current administration 's intent to resume the accrual of interest on XXXX  student loans, particularly in light of longstanding servicer errors and unresolved disputes such as mine. Restarting interest on accounts that have been under forbearance, in many cases for reasons outside of borrower control, is not only financially punitive but deeply inequitable. 

I also wish to bring to your attention the ongoing class action lawsuit against MOHELA, which has been credibly accused of mishandling borrower files, misapplying payments, and delaying forgiveness pathways under income-driven repayment ( XXXX ) and Public Service XXXX XXXX XXXX XXXX ). Given MOHELA 's role as a servicer of my loans, and the growing body of evidence surrounding their negligence, I believe it is reasonable to question the reliability of all data currently being reported and request a full federal review of their handling of my records. 

For these reasons, I ask the CFPB to take the following actions : Investigate the accuracy and integrity of the reported data associated with my student loan account. 

Require the loan servicer to permanently remove the account from my credit report due to improper reporting and ongoing harm. 

Include my case in any broader investigatory action or regulatory inquiry into servicer misconduct, especially concerning MOHELA. 

Formal Request for Permanent Removal/Discharge of Student Loans Pursuant to FCRA Thank you for your continued advocacy on behalf of consumers. I trust the CFPB will take these concerns seriously and hold servicers accountable to federal standards of fairness, accuracy, and transparency. 

Sincerely, XXXX XXXX Mohela XXXX ACCT NUMBER : XXXX

Company response to consumer: Untimely response