Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12501167
Complaint Overview
Complaint ID: 12501167
Company: Mohela
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Minnesota
ZIP Code: 554XX
Date Received: 2025-03-15T12:00:00-05:00
Date Sent to Company: 2025-03-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute my student loans and demand their immediate cancellation and discharge due to the unauthorized compromise of my personal and financial information. As you are aware, under the Family Educational Rights and Privacy Act ( FERPA ), my student recordsincluding personally identifiable financial informationare protected by federal law. Your failure to safeguard this information constitutes a serious violation of FERPA and your legal obligation to maintain the confidentiality and security of my records. I did not authorize the disclosure or compromise of my personal and financial data, and this breach has resulted in significant harm. Given the severity of this violation and the direct impact on my financial security, I am invoking my rights under applicable laws and regulations to request that you : Immediately cancel and discharge all outstanding student loan debt associated with my account. Provide a written confirmation of the loan discharge within five ( 5 ) business days from the date of this letter. Conduct an internal investigation into this breach and provide me with a report on how my information was compromised. Failure to comply with this request will leave me no choice but to escalate this matter to the U.S. Department of Education, Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other relevant oversight agencies for further legal action. I expect a prompt and written response within the next five ( 5 ) business days. If you require any additional information to process this request, please contact me immediately. Sincerely,
Frequently Asked Questions
What is Complaint #12501167 about?
Complaint #12501167 was filed against Mohela regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-03-15T12:00:00-05:00.
How did Mohela respond to this complaint?
The company responded with: "Closed with explanation". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Mohela?
Yes, visit the Mohela company profile at readthecomplaint.com/company/mohela to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.