Consumer complaint received 2022-01-08
Company: Rhode Island Housing and Mortgage Finance Corporation
State: RI
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:
On XX/XX/XXXX, I spoke with XXXX XXXX at Rhode Island Housing to inquire about the status of our mortgage forbearance due to covid related wage losses. XXXX advised that we were still within our 12 months of forbearance and that our payments were not required for XXXX, XXXX, or XXXX. She sent me an email that day detailing some programs that may become available should we still need assistance after XXXX, and we said that we would speak again in early XXXX to discuss further. 

On XX/XX/XXXX I received notifications from the 3 credit reporting agencies that I had a 30-day late payment for my mortgage through RI Housing XXXX I immediately called XXXX and asked if this was an error and offered to provide the XXXX payment instead of continuing with the forbearance as I had no negative information on my credit up until this point. XXXX advised this was not necessary and that the credit reporting would be corrected but that they were not showing any inaccuracies on their end. 

I followed up again on XX/XX/XXXX, XXXX, XXXX, and XXXX with " proof '' of this reporting coming from all of the credit bureaus including screen shots. I had started to receive certified letters from RIH stating that I was at risk of foreclosure, but then upon speaking with supervisor, XXXX XXXX, and Manager Loan Servicing Risk Representative, XXXX XXXX, I was assured that either my account was reported correctly ( in good standing ) or that I would need to wait several weeks for this to appear on my reporting but not to worry as I was in no way at risk of foreclosure. 

I again followed up with XXXX XXXX on XX/XX/XXXX to check in and advise that my credit had continued to plummet as I now show as 60 days late. Several of my credit cards had seen this inaccurate information and began to lower my credit allowances which again continued to drop my scores. XXXX responded with " We have corrected the late payment reporting for XX/XX/XXXX as current. Typically, the credit bureaus take 30-60 days ( sometimes sooner ) to update corrections submitted. '' My credit continued to crumble throughout the weeks and thus I followed up with XXXX again on XX/XX/XXXX to ask if there was anything else at all that could be done in the meantime. I advised that I had disputed these inaccuracies 3x directly through the credit bureaus and that they were coming back as " declined, information verified as correct. '' XXXX stated that a third-party vendor handled any disputes but that she would look into this. 

On XX/XX/XXXX I engaged XXXX XXXX for assistance with this matter. Within hours I began receiving alerts that the late payments had been removed and my score started to recover, ( although this will have no impact on the creditors that have lowered limits causing my usage to skyrocket ). 

On XX/XX/XXXX at XXXX received a call from a representative at RIH who advised that our account needed an additional {$500.00} to be brought current. I inquired how this was possible given that we made an " extra '' payment in XXXX of {$1100.00} ( this was not required ), and our XXXX payment was made in full and delivered on XX/XX/XXXX. I began to explain all of the trouble we had with this in the past and offered to make the payment if necessary to avoid any additional credit related issues, but the representative refused and said they would need to look into this and " call me right back. '' I did not receive a call back and on XX/XX/XXXX I received notification from multiple credit bureaus that my account is now 60-90 days delinquent. This is all but impossible given that I have only truly " missed '' XXXX and XXXX when we were in a protected forbearance. I called and left XXXX XXXX another voicemail and I also sent a detailed email. At this point I will be seeking legal action as my credit score and reports have been extremely damaged by unfair and inaccurate reporting.

Company response to consumer: Closed with explanation