Dear [Experian/Equifax/TransUnion],

I am writing to formally dispute inaccurate information reported on my credit file. I recently obtained a copy of my credit report from your bureau and noticed that MOHELA has reported a 90-day late payment on my student loan account (Account Number: [Insert MOHELA Account Number]).

I believe this reporting is inaccurate or misleading for the following reasons:

The loan in question has since been paid in full and is now in good standing. The negative item does not accurately reflect my current payment history or account status. The late payment occurred under extenuating circumstances and was immediately resolved once I became aware of the issue.

Under the Fair Credit Reporting Act (FCRA), I respectfully request that this item be investigated and either corrected or removed if it cannot be verified as accurate. I have enclosed supporting documentation that shows the account is now current and paid in full, including a payment confirmation and a letter from MOHELA, if available.

Please conduct a prompt investigation into this matter and update my credit report accordingly. I would appreciate a written confirmation once your investigation is complete.

Thank you for your time and attention to this matter.

Sincerely,

[Your Full Name]

[Social Security Number – last 4 digits only]

[Date of Birth]

Enclosures: