Consumer complaint received 2023-09-02
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had filed bankruptcy, which was finalized in XX/XX/XXXX, chapter XXXX due to a divorce. My mortgage and my truck was not included in my bankruptcy. Those were the XXXX exemptions I choose. 

I had gotten laid off due to XXXX, so I was on the XXXX XXXX mortgage assistance program, not only is this mortgage company reporting that my mortgage is late 180 days during those months that I was currently on the XXXX mortgage assistance program, but they also reported to all three credit bureaus that my mortgage closed and and filed under chapter XXXX bankruptcy. Which absolutely makes no sense because I just sold my home in XX/XX/XXXX XXXX Mortgage is the one who sent over the final statement balance in order for the people who purchase my house to officially buy it. I contacted the mortgage company and they didnt give me any information. All they told me was, well we just reported that we received your bankruptcy paperwork. I said I understand that, but it clearly stated that my mortgage and my truck were the XXXX items that are exempt, therefore not under my bankruptcy, so that doesnt make any sense? and then I said why have you not reported to the credit bureaus that I sold my home for which my loan was in good standing, and I was protected under the care act to the XXXX She shrugged and said she doesnt know, that its normal to report that they received bankruptcy documents, and I told her that is fraudulently reporting to credit bureaus that I filed bankruptcy and including my home so XXXX is in charge of this bankruptcy department doesnt know what theyre doing if they wouldve read it and not only that he can clearly see that the last transaction that was ever made was a big check petting them off, so She told me that I need to contact the Credit bureaus and dispute it so I contacted the credit bureaus. I tried to dispute it and they still denied it. I have my closing documents of my home to prove that I sold my home in good standings. I have the documents proving that I was under the care act so they should not be reporting my payments as being late, and I also have a copy of my bankruptcy documents, showing that my mortgage and my truck was not included in my bankruptcy, and it is killing my credit and nobody cares and thats a really big thing to falsify on someones credit report that they foreclosed, and they found bankruptcy on a house which they did not, and they sold the house in good standing. 

And she told me that there is no department that I can call or contact XXXX XXXX  regarding the huge mistake that they made and then she told me I had to go and jump all through these hoops and write a letter. I just dont understand how they could possibly report my mortgage thing for close and bankrupt on when it clearly states on my profile that it was paid off in full in good standing I just dont know wh

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation