Consumer complaint received 2022-05-21
Company: Shellpoint Partners, LLC
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My previous complaint with Shellpoint resulted in the admission that Shellpoint Mortgage servicing " surpressed the XX/XX/XXXX credit report '' because of active correspondence with them. I have subsequently contacted Shellpoint through XXXX dispute resolution with copies of my correspondence with Shellpoint during the period of XXXXXXXX XXXX-XXXX  XXXX  ( i.e., I uploaded the statements of required payments, and my bank records of timely payment of the full amount that Shellpoint required of me to stay current- including XX/XX/XXXX and XX/XX/XXXX payments ). 

Shellpoint in their last response letter avoids this fact, but tellingly states in their letter that I was in a post-foreberance communications with their personnel from the time I was expired on that program, which was mainly with XXXX XXXX XXXX of Shellpoint, and others that XXXX XXXX referred me to. I was in constant contact with them during the time I mention above, all in good fait on my part, making all required payments on time and in full, in close correspondence with Shellpoint ( see attached ). 

They recorded these contacts for me in written notes too, and I have a record of those communication by phone and in the forms attached too. In their response letter they deceptively state they never received returned mail, as their sole excuse/misdirection of the real probelm, which is that we were in constant contact and i was making all required payments on time and in full ( again, see my evidence attached, which Shellpoint received after the last letter, where they were recording me with another erroneous late payment, but backed that one out. They continue to misdirect, and refuse to back out the erroneous late payment notes from XX/XX/XXXX and XX/XX/XXXX, trying to misdirect by referring to my lack of correspondence, which is prima facia false ( see attached ). 

Their own words in their investigation results letter makes my case that I was in contact with them from the time I ended my forbearance, and through today actually, on the various steps outlined in the letter that they wrote regarding the investigation. 

Specifically, they write most recently that : " Due to the active correspondence in our office in XX/XX/XXXX, Shellpoint suppressed the XX/XX/XXXX credit report. '' and in this statement they are recording that I *was* in contact with them. I made all the required/documented payments on time, which IS correspondence ( it's a payment! ), and so they need to apply the same " suppression '' to the XX/XX/XXXX and XX/XX/XXXX payments that they did for the XX/XX/XXXX payment, for the reasons they outline for doing that in their official response letter, after undoing their erroneous XX/XX/XXXX late payment ( i.e., we were in active communication/correspondence the whole time ) I also have the right to have a full transcript of the notes that XXXX XXXX XXXX and other Shellpoint, NewRez employees that she referred me to or I was in contact with by phone from the time period of XX/XX/XXXX to XX/XX/XXXX, and I am requesting that transcript at this time to further prove my case as stated above. XXXX XXXX confided in me when I initially found out about the XXXX point drop in, my credit rating due to XXXX ' erroneous reporting, that, " I'm very sorry, but we have had problems with our phones and communication '' among other comments about the deceptive nature of Shellpoints ' methods for dealing with customers. 

I have the right to receive the full written notes from XX/XX/XXXX to XX/XX/XXXX, which I always verified were being kept and those notes of my account will prove what amounts, now with their recent letter, to a fraudulent statements, and specifically they have omitted this exculpatory evidence ( their official records of my communications with them ) in their cited investigation, despite receiving evidence from me otherwise.

Company response to consumer: Closed with explanation