Consumer complaint received 2018-08-18
Company: NATIONSTAR MORTGAGE LLC
State: IN
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: Their investigation did not fix an error on your report

Complaint:
Per conversations I have with XXXX, XXXX and XXXX, when negative reports are being sent from XXXX Nationstar Mr. Cooper which have been done over the past 18 months ... maliciously and intentionally adding false statements / reports sent to your company and other credit reporting companies ... IT WILL negatively affect your credit. This will obviously then negatively affect your credit score. XXXX Nationstar Mr. Cooper are fully aware of the past 18 months of their constant misreporting, intentionally malicious false reporting, negative reporting regarding my VA mortgage loan. 

You should have already after owning up to your mistakes via taped phone converations sent credit reporting companies a POSITIVE letter stating you are at fault and to reverse the damage you have done to my credit and credit scoring. As of today, I still do not see any positive changes on my credit report to reverse the damage XXXX Nationstar Mr. Cooper have done to my credit and credit score by continued lack of reporting all payments that have been made since XX/XX/2016 as well reversing the damage they have caused by intentional misreporting regarding my VA loan. I suggest you contact XXXX Indiana Police Department and listen to your audio tapes regarding over {$100000.00} your company intentionally reported on my credit reporting earlier this year and in which I also filed a cfpb complaint on top of identity theft and freezing my credit with the companies in which they also have taped conversations and I have a copy. Your company then quickly scattered to reverse the intentional negative malicious remarks and adding over {$100000.00} without my knowledge to my current VA mortgage loan. 

Your representative you're stating is available when I need to talk never returns my calls and does not return emails. I have the calls marked with my phone carrier as well emails that clearly show Mr. XXXX never returns calls nor emails. 

Your company has Consumer complaint on top of Consumer complaints with the same problem other consumers are having where your company is not reporting payments and incorrectly reporting payments or intentionally reporting negative reports that have as well negatively affected their credit which you have negatively affected mine for almost 18 months and still ongoing. 

Your representative Mr. XXXX telling me on taped conversations that I might want to look for another bank and refinance was the most ridiculous response and lack of professionalism I've ever come across with any creditor or company. 

I will continue filing complaints and moving up the ladder until everything is resolved, all payments are marked paid as we agreed upon on the phone tape conversations with your company after being misguided by Mr. XXXX XXXX with XXXX regarding the forbearance plan and telling me prior to stop making payments which was misguided in your company admitted being at fault. Your company agreed after owning up to the misguiding that you would start making all payments correctly reported back in XX/XX/XXXX this year and which they still are not all reported with the credit bureaus. 

I also need finally positive reports submitted by your company that will positively affect reversing all the damage your company has done by so many negative, misreporting, intensional reporting and malicious reporting for almost 18 months. 

How in the world this is not been resolved in such simple request is beyond me and my current bank XXXX XXXX who stated your bank and Company can easily resolve this matter and do not understand why the errors are not being addressed as well as some type of positive report sent to the credit bureaus to help reverse the Damage Done to my credit and credit score. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation