Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I am submitting this formal dispute regarding my federal student loan account serviced by MOHELA. My account has been inaccurately reported on my consumer credit files and continues to reflect balances, payment demands, and negative reporting for loans that should have been processed for discharge under federal law and relief programs. Despite federal directives and borrower protections, including the guidance from the U.S. Department of Education, my account remains in a delinquent or active status, which constitutes inaccurate reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Specifically : 1. 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) Consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of disputed information within 30 days. MOHELA is responsible for furnishing accurate and complete information regarding my student loan account. The continued reporting of discharged loans and/or balances is a failure to meet the statutory reinvestigation and accuracy standards. 2. 15 U.S.C. 1681c-2 ( Section 605B ) Accounts resulting from identity theft, federal discharge, or borrower defense should be blocked from reporting upon receipt of valid documentation. My account qualifies for such protections due to federal relief and forgiveness eligibility, yet negative information remains on my report. 3. Section 2 ( a ) of the FCRA All furnished information must be accurate and verifiable. Any inability to validate the loan, its balance, or its delinquency status should trigger deletion of inaccurate reporting. XXXX. XXXX Compliance Standards In accordance with XXXX reporting protocols, I demand verification of all reporting fields for this account, including : o Account status code o Date of first delinquency ( DOFD ) o Payment history and rating codes o Balance and charge-off reporting o Compliance condition codes Failure to verify and correctly report these fields constitutes a XXXX violation and is actionable under the FCRA. This dispute is also supported by historical and ongoing federal action addressing student loan servicing failures. The XXXX XXXX XXXX XXXX ( XXXX ) class action lawsuit established that millions of borrowers were entitled to forgiveness due to systemic servicing errors and failures to implement discharge. Current litigation continues to enforce borrower rights and discharge eligibility. MOHELAs continued negative reporting and demands for payments on loans subject to forgiveness or discharge are inconsistent with these legal precedents. Requested Actions : 1. Immediately correct or delete all negative reporting, late payments, collections, and balances on my student loan account that should be discharged. 2. Provide full documentation verifying the accuracy of all XXXX fields for this account. XXXX. Update all consumer credit reporting agencies to reflect the accurate discharge status. XXXX. Provide written confirmation of corrections, reinvestigation, and compliance with FCRA and XXXX standards. Failure to properly investigate and remove inaccurate information may result in escalation to the CFPB, Federal Student Aid Ombudsman, and potential legal action for FCRA violations.

Company response to consumer: Untimely response