Consumer complaint received 2017-03-22
Company: Ocwen Financial Corporation
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to request your assistance in resolving collection by the above listed company for a debt I am no longer responsible for. Enclosed you will find a page from my credit report reflecting a false entry by Ocwen Loan Servicing. As a brief background, I sent a " Notice of Direct Dispute '' under FCRA 623 ( a ) ( 8 ) ( D ) and 16 CFR 660.4 ( d ) to XXXX, XXXX and XXXX. On XX/XX/XXXX. It should be noted that Ocwen is considered to be a debt collector within the meaning of the Fair Debt Collection Practices Act ( " FDCPA '' ) when they acquire servicing rights and responsibilities of this alleged delinquent loan. 
In that Notice of Direct Dispute, I included all of the requirements of FCRA 623 ( a ) ( 8 ) ( D ) and 16 CFR 660.4 ( d ), namely : identification of the specific information that is disputed, my basis for the dispute, and relevant information reasonably necessary. The investigation into same was completed on XX/XX/XXXX. I have enclosed the results of same for your review. Ocwen Loan Servicing began listing this account as a past due traditional mortgage account on my credit report in XX/XX/XXXX. This is the first of many inaccuracies relative this entry on my credit report. This is NOT a mortgage account. It should be noted that the account was never reported to the credit bureaus prior to XX/XX/XXXX. Ocwen listed this account as a " Traditional Mortgage Account '' on my credit report. This is just the first of numerous false details about the entry Ocwen has fraudulently placed on my report. While Ocwen Loan Servicing may service loans, once they begin to collect on delinquent loans, they then become a debt collector subject to the laws under the Fair Debt Collections Practices Act ( FCDPA. ) Ocwen can not report this as a traditional mortgage account when according to their own representative, the account was acquired in delinquent status ( SEE ENCLOSURE. ) To that end, I am at a loss as to why a traditional mortgage account would only begin to report in PAST DUE STATUS five years after the alleged inception of same. I.e never reported in any other status. To that end, I am not the owner of record for the property listed as security for the mortgage. It should be noted that I have no relation to the true owner of record I.e not a spouse or relative of any kind. Ocwen Mortgage lists this account as being 11 payments past due, yet lists a delinquency status of 120- 149 days late. I must then ask does Ocwen Loan Servicing require some sort of every other month payment schedule? That is the only plausible explanation as to how an account they claim is 11 months past due can also be only 120-149 days past due. As stated, the account is listed as a traditional mortgage account yet reflects no 30 or 60 day late payments and instead lists the account as being 90 days late ten times. This would be a total of 900 days late which is in direct contradiction once again with information reported by Ocwen Loan Servicing. Essentially Ocwen Loan Servicing is reporting that the account is 11 MONTHLY payments past due, yet only 120-149 days past due. At the same time Ocwen Mortgage is reporting ten 90 days late payments which totals approximately 2.5 years. I am quite confused as to which set of numbers Ocwen would have represent their version of the truth. Is the account 11 months and 120-149 days past due ( 4 to 5 months )? Or is the account past due 900 days and 2.5 years ( 30 months ) past due? I have enclosed a statement from Ocwen Loan Servicing dated XX/XX/XXXX which claims that the account was delinquent 1845 days as of that date. According to Ocwen, the loan actually decreased in delinquency during the past year going from 1845 days delinquent in XX/XX/XXXX to only 900 days past due in XX/XX/XXXX. Yet another completely fabricated element by Ocwen relative the situation. 
It should also be noted that I have received

Company response to consumer: Closed with explanation