Consumer complaint received 2021-05-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted a complaint to the CFPB regarding my loan with Rushmore Loan Management Services. Rushmore replied with a packet of documents, and when I reviewed these documents I saw that the dates on the first page detailing my loan payment status for each month, the dates were incorrect. However all the dates did verify that I was never delinquent, and they asked in their packet of documents for verification of where I received the information that said I was ever reported delinquent by them. I called Rushmore, and the representative on the phone stated they would correct those documents immediately, and walked me through how to submit screenshots of my XXXX credit report showing the delinquent report from Rushmore. He apologized that I had been through so much stress trying to get them to correct this for several months, all while my credit plummeted even further each month. I submitted the proof of my XXXX credit report, and still I have not been able to receive any update from Rushmore. I called again a few days ago, and the representative on the phone seemed confused and kept putting me on hold while they tried to confer with someone in the background about my case. Then after too many times of putting me on hold, the connection was lost and Rushmore didnt bother calling me back even though it was their own error. I have contacted my senators office who has sent a letter to Rushmore requesting an investigation into this credit reporting error and that they correct the mistake with the 3 major credit reporting bureaus. Please please please ask them to correct the packet I was provided, so that it reflects the correct dates. Then ask them to contact the 3 major credit reporting bureaus to let them know I was never delinquent. I was always in good standing or in COVID related forebearance. Its really wrong that even after the CFPB report, countless phone calls by me, submissions on their own website, and their own customer service representatives being able to see that I was never delinquent, Rushmore still refuses to correct this mistake. Probably because this would mean admitting fault on their part for the damage its done to my credit in the months since. But I dont care about blame, I just want them to fix the mistake so that I can move on with my life and my credit can go back to normal. I live on my own, and I am only XXXX, I dont deserve any of this. If they do not correct the mistake with the credit bureaus, I wont ever be able to get a credit card, get a car, or pass a background check for any government work. I have worked in XXXX XXXX for the past 4 or 5 years, first with XXXX and now in the private sector. My current job with XXXX XXXX needed me to get a credit card for expenses while traveling that they would then reimburse once a month. Ive had to use a debit card and most of my savings trying to stay afloat until my credit report can be repaired. Please please please speak to Rushmore and ask them to finally fix my case and report to the 3 major credit bureaus that I was never delinquent on my loan. I never would have accepted the COVID related forbearance if I thought it would result in this delinquency reporting and damage to my credit score. Its been months of me trying to resolve this on my own with Rushmore, so far to no avail.

Company response to consumer: Closed with explanation