Product: Mortgage

On this date, XXXX/XXXX/2016, Business Name : CARRINGTON MORTGAGE SE, inaccurately reported to the Credit Bureau, my loan or account status as : Bank Adjustment / Deed in Lieu / Bank Liquidation. Since you, CARRINGTON MORTGAGE SE signed a XXXX ; you are required to follow the guidelines within the Making Home Affordable ( R ) Program Handbook for Servicers of Non-GSE Mortgages, Version XXXX. THE ABOVE IS AN INACCURATE ENTRY ON MY CREDIT REPORT per the Making Home Affordable ( R ) Program Handbook for Servicers of Non-GSE Mortgages, Version XXXX ; Specifically SECTION XXXX Credit Bureau Reporting : that states, '' Servicers should report a " full file '' status report to the credit reporting agencies for each loan under HAMP in accordance with the Fair Credit Reporting Act as well as other applicable laws and credit bureau requirements as provided by the XXXX XXXX XXXX XXXX ( XXXX ). " Full-file '' reporting means that the servicer must describe the exact status of each mortgage it is servicing as of the last business day of each month. '' First of all, Since CARRINGTON MORTGAGE SE acquired this loan from XXXX XXXX on XXXX, 2016 and I received the notification in the mail of the transfer, I have not heard from CARRINGTON MORTGAGE SE. They have not mailed me monthly statements showing what my balance is and what I should pay monthly on my mortgage. There has been no introduction of a relationship manager to this date. If they did call me, they did n't leave a message. Please mail me MONTHLY statements, showing what my balance is and what I should pay monthly on my mortgage. If you had consistently mailed me monthly statements, then I would know what to pay and you would n't need to make the following inaccuracies : PLEASE CORRECT ON MY CREDIT REPORT ASAP. SINCE YOU HAVE NOT FOLLOWED THROUGH ON THE FOLLOWING, THEN YOU 'RE IN VIOLATION OF SECTION XXXX. Permanent Modification, OF THE Making Home Affordable ( R ) Program Handbook for Servicers of Non-GSE Mortgages, Version XXXX ; Specifically SECTION XXXX Re-default and Loss of Good Standing, Paragraph XXXX. MAINLY this section : " In the event a borrower defaults on the modified loan, the servicer must work with the borrower to cure the modified loan ( YOU HAVE NOT DONE THIS ). If this is not possible the servicer must-evaluate the borrower for any other loss mitigation alternatives, e.g., HAFA ( YOU HAVE NOT DONE THIS ), prior to commencing foreclosure proceedings ( YOU HAVE DONE THIS ). 
All of the above are VIOLATIONS of the MHA Handbook Version XXXX XXXX Protections Against Unnecessary Foreclosure ; SECTIONS XXXX and XXXX of Chapter XXXX, respectively. Also, this is a VIOLATION of the MHA Handbook Version XXXX, Chapter XXXX. Home Affordable Foreclosure Alternatives Program ( HAFA ), Specifically SECTION XXXX HAFA Consideration that state : '' Borrowers that meet the eligibility criteria for HAMP but who default on a permanent HAMP modification should first be considered for other loan modification or retention programs ( YOU HAVE NOT DONE THIS ) offered by the servicer prior to being evaluated for HAFA. Notwithstanding the foregoing, Consumer Financial Protection Bureau ( CFPB ) Regulations may require a servicer to consider a borrower for HAFA contemporaneously with considering the borrower for HAMP and other home retention options. '' How can this be when CARRINGTON MORTGAGE SE HAS NOT tried to work with me per the MHA Handbook Version XXXX Guide?