Consumer complaint received 2022-01-13
Company: Mr. Cooper Group Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Cfpb, I am sending you some documents titled *my XXXX XXXX Credit Report. 
My credit report is inaccurate. On XX/XX/XXXX I wrote a letter to Nationstar/Mr, Cooper about my XXXX credit report is inaccurate. Number of monthly payments Nationstar/Mr.Cooper has XXXX reporting on my credit reports has been XXXX. Nationstar/Mr.Cooper has not respond back to me about this issue. 
Under [ SummarXXXX ] Here is a summary of your modified mortgage, this is the document that came with my permanently modified Home Affordable Modification Agreement. On this document were it says [ Payment Schedule ] The enclosed Modification Agreement includes a payment schedule in Section XXXX showing your payment plan for the life of your modified loan after the trail period. Under my modification Agreement it says number of monthly payments 290. On XX/XX/XXXX and on XXXX XXXX I filed a credit report dispute with all three credit reporting company 's, XXXX, XXXX and XXXX. I told them my credit report is inaccurate. Nationstar/Mr.Cooper has not responded back to me on this issue. On XXXX XXXX I notice my credit score dropped XXXX points. I don't understand how this happen. I am current. I have a current active mortgage loan account with Nationstar/Mr.Cooper which is my permanently modified XXXX XXXX Modification Agreement. Account number XXXX. 
Which is under the Making Home Affordable Modification Program. My mortagage is current and in good standing. 
Cfpb, I am sending you the following documents.XXXX XXXX Credit report XXXX This credit report is before the XXXX. I have already sent you a copy of this credit report in XXXX. I am sending it to you again. Cfpb, you can see I am current on my loan, I am not late, in a foreclosure, forbearance, I did not surrender my home, I am keeping my house and my loan is current and in good standing. My XXXX Mr.Cooper Detail Transaction History dated XX/XX/XXXX. Cfpb I am asking Nationstar/Mr.Cooper to read the top of this XXXX Mr.Cooper Transaction History document .They gave it to me on XX/XX/XXXX and on XX/XX/XXXX. I am not late, in a foreclosure, forbearance, I did not surrender my house, I am keeping my house and my loan is current and good standing. 
XX/XX/XXXX I wrote a letter to Nationstar/Mr.Cooper. I asked Nationstar/Mr.Cooper and said ... I am requesting that Nationstar/Mr.Cooper review the document titled [ Summary ] of your modified mortgage that you sent to me with my permanently modified Home Affordable Modification Agreement made on XX/XX/XXXX. Please review on the document the following... XXXX rate, Payment schedule. Fees, Escrow Account and New Principal balance information. I am sending you a copy of this document. On this letter I requested Nationstar/Mr.Cooper to look into other concerns I had about things happening to my loan account. XX/XX/XXXX I received a letter from Nationstar/Mr.Cooper through the Consumer Financial Protection bureau . Nationstar/Mr.Cooper said ... state pre-foreclosure notices ... .. on my account are general written correspondence examples, not to be construed or a implication or conformation that the account is in foreclosure. 
Then why did my credit score drop XXXX points? On XX/XX/XXXX? I made my XXXX schedule mortgage payment on time. My loan is current. This should have not happen on my credit report. Nationstar/Mr.Cooper you also said the account was current at the onset ( XX/XX/XXXX ) of the XXXX XXXX.

Company response to consumer: Closed with explanation