Consumer complaint received 2018-07-25
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I made a complaint against Ditech Financial f/k/a Green.Tree Servicing. I made a dispute with XXXX  and XXXX on XX/XX/XXXX in which Ditech Financial said was not corrected on XX/XX/XXXX. Due to their response to XXXX they re-aged my account and decreased my score by 62 points. I did not make a payment per dispute in XX/XX/XXXX. They went into my XXXX report as of XX/XX/XXXX, and reported I made 50 percent of payments per XXXX XXXX payments. Ditech Financial went into my credit report who I hadn't disputed under XXXX  yet and under remarks that I was 180 days late. On XXXX XXXX, they changed my credit report again under XXXX in which I am waiting for credit report by snail mail. As I reported to the CFPB in XXXX, they took the response from Ditech Financial and closed my complaint automatically. In a letter from Ditech Financial on XX/XX/XXXX, they write from Ditech, XXXX XXXX, Minnesota, that Ditech confirmed that your loan was reported to the credit bureaus as " in foreclosure '' from XX/XX/XXXX, " repossessed '' from XX/XX/XXXX, to XX/XX/XXXX, and charged off, in XX/XX/XXXX. My foreclosure was on XX/XX/XXXX. They can not by California law show that it was repossessed from XX/XX/XXXX, to XX/XX/XXXX. It's either a foreclosure which was reported on two credit bureau reports and on XXXX, Ditech representative tried to tell me it will stay on my credit report for 8 years. You can not report foreclosure on two reports and report 1st major deliquency in XXXX. It's either a foreclosure or repossession in Californa. And by the way, we don't do sheriff sales In California. In my case it was a foreclosure due to Green Tree Servicing constantly harassing me and double billing me before my payment was due. What Green Tree did was drop payments from my account on my credit report and then when Ditech Financial LLC took over they put my accounts with the credit bureaus with reposession from XX/XX/XXXX, through XX/XX/XXXX. I want the 1st major deliquency reported removed from XXXX dated XX/XX/XXXX. These people in this company don't know what their doing and each of my credit reports is different. They show last payment XX/XX/XXXX, and then show a payment for XX/XX/XXXX. I'm sick of them their the same company Ditech Financial f/k/a Green Tree Servicing as of XX/XX/XXXX, and what happened Green Tree got fined XXXX XXXX dollars. I know it's easier for you to pay a fine than to pay what you actually owe. The only way legally you can put anything on my credit reports if I dispute a specific credit bureau. You illegally went to my XXXX  report which I did not dispute on XX/XX/XXXX. So I'll be seeing you in court showing all the documentation and how you continually changed my credit reports along with Green Tree Servicing. I'm sick of you and all I was doing was trying to remove the XX/XX/XXXX payment that was not made to have my foreclosure removed in XX/XX/XXXX. Ditech is full of XXXX. You would like to destroy somebody whose already been through on XX/XX/XXXX, and by XXXX your changing my report to repossession. By the time I'm done with you you'll wish you never reported to a credit bureau repossession. Good luck with the FBI Crime Fraud Unit which checks into your IRS write off of XXXX, which I have proof of your dishonest behavior. The CFPB will take your answer and close it but I know exactly what to do. So, would the CFPB take a closer look at my complaint instead of just closing it. Maybe the Attorney General of California would be the one to contact. I'm tired of dealing with this credit reporting inaccurately.

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