Consumer complaint received 2018-03-06
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX, Ocwen reported this acct as current, with no payments made in XXXX, XXXX, and XXXX, with a notation " Natural Disaster ''. I was notified of the change in my credit report by XXXX. I immediately filed an online dispute with XXXX that the information was incorrect and that I believed under the FCRA that they could not report derogatory or any account information after seven years and approximately 180 days from the date of default. The default date was XX/XX/XXXX, there have been no payments since that date and this did come off my credit report, I believe in XX/XX/XXXX. Ocwen disputed my claim and " verified their information to XXXX '', they then reported my account as delinquent 120 days since XXXX and that is what the credit report shows. I filed another dispute with XX/XX/XXXX, and I contacted Ocwen directly. I received multiple stories from Ocwen, first they said they got the account from the original servicer in XXXX so they could report no payments for seven years from that date. I told them that FCRA address 's subsequent service collections and it still goes back to the original date of default. Again XXXX believed Ocwen, declined my dispute, only now it was updated showing a payment in XX/XX/XXXX, now making the account stay on my credit till sometime in XXXX. There absolutely was no payment on this account. I called Ocwen to dispute the new information and was told a payment was made in XX/XX/XXXX, I asked what the amount was and for proof of that payment, they answered that the amount was {$0.00}, yes XXXX, and that the investor on the loan did it. I have filed another dispute in writing to Ocwen and XXXX. Ocwen did push it up to an Ombudsman, that conversation did not go well and they wanted me to send a copy of the FCRA because they never heard of it. I did include the exact Numbers for the FCRA, 15 U.S.C. 1681c, where they could see the entire act. As of XX/XX/XXXX now, XXXX, XXXX, and XXXX  are all reporting this account and delinquency back to XXXX. 
The Florida office of Financial Regulation, directed me to this site, and I am filing a complaint here, I have filed a written complaint with XXXX, Florida office of Financial Regulation, and with the Ocwen Ombudsman. I will upload copies of those complaints and the last letter I have received from Ocwen dated XX/XX/XXXX, and it showed the loan as delinquent XXXX, approximately 6.5 years which at least supports my claim that the default date was XX/XX/XXXX, I have updated my mailing address with Ocwen when I closed the XXXX XXXX , last year. I actually have another loan with Ocwen which is and has been current, they do not even and have never reported that to the Credit bureaus. Ocwen is a bully that specializes in giving people the run around. They have no intention of doing the right thing and they seem to enjoy causing harm and grief. This has devastated my credit which I have worked to correct and prior to this my credit was all on-time payments except for one 30 day past due back in XXXX, which I don't even remember why or what happened. We tried to work out a loan modification with Ocwen and they only offered trial periods, my Attorney could not get them to agree to a permanent loan mod, so he was concerned if I made trial payments it would start the clock again on this debt, for a temporary or trial period was to much risk for me. Thank you so much for your help and consideration.

Company response to consumer: Closed with explanation