Consumer complaint received 2018-07-16
Company: Ditech Financial LLC
State: CA
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:
I previously made a complaint to the CFPB onXX/XX/XXXX against Ditech Financial LLC f/n/a XXXX XXXX XXXX which is same company with different name. What they did before reporting information to the CFPB was change my credit reports which I reported XXXX  where they had me in repossession as of XX/XX/XXXXtoXX/XX/XXXX and it was also on my XXXX   report. I never made a payment inXX/XX/XXXX because the monthly billing statment said I was past due with billing for XX/XX/XXXX and for for XX/XX/XXXX, which I never received was double the amount that they provided to the CFPB which showed a past due amount bill XX/XX/XXXXwhen my payment wasn't due til the XXXX  per my promissory note, because they were relentless in harrassing me on a daily basis. I disputed the information with XXXX on XX/XX/XXXX and with XXXX which I believe was on the same day which Ditech Financial Refused to change. On my XXXX report it shows last payment on XX/XX/XXXX but under payments it shows I made a payment inXX/XX/XXXX. On XXXX it shows Date of 1st DeliquencyXX/XX/XXXX and Date Maj Del. 1st Rptd on XX/XX/XXXXso they are trying to keep this on my report for 8 years. Does Ditech Financial LLC not understand the law that it starts from the first on XXXX it shows XX/XX/XXXX being paid. In XX/XX/XXXX, Ditech Financial sent me a set of spreadsheet and IRS documents. I just found all my paperwork. Since the CFPB does nothing but collect documents and take the word of creditor and close the complaint without question, I am contacting the FBI Crime Fraud Unit which will investigate with IRS as you call charge offs. Your spreadsheets don't match up with my all of my paperwork which means you have been defrauding the government and writing off more than you should be which includes other people. Aren't you aware of the law that once a property is foreclosed on and becomes the property of XXXX XXXX etc., and the time starts from the 1st delinquency and comes off after 7 years from that date. Also, when the property was put in different name through XXXX, the notary on my assignment through XXXX XXXX XXXX in Florida was a fraudulent signature. I got a copy of the notary signature through the state of Florida for XXXX XXXX, MA, and they don't match. So I will be reporting this to the appropriate government entity in Florida against XXXX XXXX. If the FBI won't investigate it, I'm going to a t.v. station in XXXX XXXX, Ca. Maybe I'll see you in court or maybe not. I was sick of Green Tree Servicing and now I'm sick of Ditech Financial with all your lies. I would like to know why my whole credit report changed when Ditech Financial took over which I have proof of. I'm not going to provide the documents because you already have them. I will have every person you made a loan to and/or servicing requesting every document on their loan through Ditech Financial LLC, and I'll make sure they don't get the run around like you gave me last year and you never gave me any of the documents I requested last year.

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