Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington Mortgage Services ( CMS ) has placed erroneously negative, inaccurate and incorrect information on my credit files with XXXX, XXXX and XXXX, which is preventing me from obtaining a home loan. I was unaware of this inaccuracy until informed of the same by my new lender on Friday, XX/XX/XXXX. 

I called the CMS customer service line ( XXXX ) to inquire of the same, and spoke with someone who informed her that I had been more than thirty ( 30 ) days late on my XXXX, XXXX, and XXXX, XXXX mortgage payments, and stating I never even made a XXXX, XXXX payment. As evidenced by my XXXX XXXX  account statementsit is clearly evident that I made the following payments, none of which were more than thirty ( 30 ) days late : XX/XX/XXXX Payment Paid XX/XX/XXXX {$1300.00} ( L/C Included ) XX/XX/XXXX Payment Paid XX/XX/XXXX XXXX ( L/C Included ) XX/XX/XXXX Payment Paid XX/XX/XXXX XXXX XX/XX/XXXX Payment Paid XX/XX/XXXX XXXX ( L/C Included ) XX/XX/XXXX Payment Paid XX/XX/XXXX XXXX CMS claims I did not even make a XXXX, XXXX payment and that myXX/XX/XXXX payment was more than thirty ( 30 ) days late. According to my bank statements, I clearly made a XXXX, XXXX payment and my XXXX, XXXX payment/payoff was not late as the payoff of my mortgage, in the amount of {$180000.00}, was WIRED from my attorney 's escrow account on the day I closed on the sale of my home, i.e. XX/XX/XXXX. 

CMS erroneously reported negative, inaccurate and incorrect information on my credit bureau accounts, and has already caused me to lose a home on which I wanted to offer a contract. CMS also reported an inaccurate and incorrect 30-day late mortgage payment against my credit in XXXX, for which I had to waste my time, energy and effort at that point in providing CMS with documented evidence that I had NOT made a late payment. CMS immediately corrected the same on my credit report. 

I pulled my credit report again today, XX/XX/XXXX, and it now greatly differs from the credit report pulled on XX/XX/XXXX, in that on XX/XX/XXXX, XXXX reported that I was made five 30-day late payments in XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. According to the XX/XX/XXXXreport I pulled today, CMS has changed their tune ( since my attorney 's letters to them on XX/XX/XXXX and XX/XX/XXXX, and since CMS 's response to said letters ) and have changed their reporting to show on XX/XX/XXXX that I had five 30-day late payments in XXXX, XXXX, XXXX, XXXX and XXXX ... completely different from what they had reported in XXXX, XXXX!!! 

I provided CMS with my bank records, documented proof that I was NOT late on any of those payments!! They changed their reporting AFTER receipt of two letters from my attorney. Their response to my attorney is ludicrous and untruthful, which is evidenced by their having changed the months they claim I was late. The reason they removed XXXX was because of my attorney 's second letter to CMS where he again provided documented proof that it was IMPOSSIBLE for my XXXX, XXXX payment to have been late considering the fact that his office had WIRED the payoff of the entire mortgage on XX/XX/XXXX, for which he received a signed Release of Mortgage dated XX/XX/XXXX. CMS has now simply moved the months back one month each!! This is not correct and they should be dealt with regarding this matter. 

Pursuant to the CARES Act related to Covid-19, I could have requested assistance with my mortgage ( IF I HAD BEEN BEHIND OR PAYING IT LATE!! ), however, I was never in arrears to have to request assistance pursuant to the CARES Act ; and, as stated. This time, CMS 's errors in negatively impacting my credit report has caused me irreparable damage and harm in that I has lost the opportunity to purchase a home on which I wanted to make an offer. 

It is not right that CMS can simply add all this erroneous reporting to my credit report. If I made a payment on the XXXX, XXXX, XXXX or the month, I was still NOT 30-days late on a payment as my payments were made via Visa Debit directly from my banking account and credited to my mortgage the very day I made the payments. After having realized that CMS reported me 30-days late five ( 5 ) times, I begin researching and have discovered that CMS is notorious for reporting late payments. I would almost guarantee that any late payments logged were due to the laziness of its employees and logging payments because my bank records sure do show different than CMS records!!! I want my credit report fixed IMMEDIATELY!!! I have " EXCELLENT PAY HISTORY '' since I began rebuilding my credit several years ago after a 12-year period of having no credit. I may have a few medical bills on my credit but I have worked too hard for CMS to erroneously report such lies!! If CMS had not messed up somewhere, it would not have gone back, AFTER RECEIVING MY ATTORNEY 'S LETTERS, and changing the months it claims I was late!! That is simply WRONG!!!