Consumer complaint received 2022-08-19
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Supplemental Complaint TO CFPB ID FOR COMPLAINT SENT TO SPECIALIZED LOAN SERVICING LLC XXXX Company : Specialized Loan Servicing LLC ( SLS ) ( alleged successor to XXXX XXXX XXXXXXXX XXXX XXXX ) Supplemental Complaint of : Inaccurate information provided to Credit Reporting Agencies Attempts to Fraudulently Induce a Default Attempts to Fraudulently Induce a Breach of Contract SLS is Returning Direct Bank Wired Payments to Fraudulently Induce an unlawful Breach Breach of Fiduciary Duty Wire Fraud Embezzlement of Confirmed Payments Violations of Regulation Z Violations of TILA Violations of RESPA Bankruptcy Proof of Claim Not withdrawn SLS Never Filed a Release of Lien for the Fraudulent MEB Deed of Trust terminated by the Alleged XX/XX/XXXX Transfer False and Fraudulent Credit Reporting of HELOC Opened : XX/XX/XXXX I. On XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX  informed me that my HELOC loan had been discharged and the account closed during my phone inquiry on the HELOC account Opened XX/XX/XXXX XXXX. XXXX  XXXX XXXX, XXXX  = alleged transferee to SLS III. Exhibit A : XXXX Credit Report XXXX  XXXX XXXX, XXXX  HELOC : A. Opened : XX/XX/XXXX B. Last Reported XX/XX/XXXX XXXX Reported Balance {$0.00} XXXX Account Status closed IV. Exhibit B : XXXX Credit Report Bank XXXX XXXX, XXXX  HELOC : 1. This Account was closed XX/XX/XXXX XXXX. Last reported : XX/XX/XXXX 3. Reported Balance : {$0.00} XXXX. Nice! You've paid off 100 % of this loan 5. Opened : XX/XX/XXXX 6. Last payment : XX/XX/XXXX XXXX. Closed : XX/XX/XXXX XXXX. Worst payment status : Current 9. No Transfer to SLS you have 0 % left to pay on this real estate loan Clean Slate! As of XXXX XXXX, XXXX, you have no collection accounts on your credit report. 

V. Exhibit C : XXXX Credit Report SLS HELOC : A. False & Fraudulent Credit Reporting 1. Opened : XX/XX/XXXX ( {$0.00} balance Ex. A and Ex. B ) 2. Reported : XX/XX/XXXX XXXX. Reported Balance : XXXX ( XXXX ) 4. Account status : Closed 5. Last payment : XX/XX/XXXX XXXX. Payment history : a. Youve made 100 % of payments for this account on time b. Last payment reported as XX/XX/XXXX = XXXX and XXXX payments were submitted via electronic transfer with confirmation. 

XXXX Unknown payment entries : documented payment history with confirmation numbers provided to SLS, CFPB, and Justice Department ( sent via USPS Priority with tracking and signature verification ) d. Account was closed XX/XX/XXXX, indicating XXXX payment NOT OWED, however XXXX and XXXX payments electronically submitted and confirmed e. SLS never provided documentation to us to notify account closed as reflected in Credit Report information 7. Remarks Bankruptcy XXXX XXXX Bankruptcy Petition a. XX/XX/XXXX, {$0.00} balance ( during bankruptcy Ex. A and Ex. B ) b. SLS enters bankruptcy claiming balance due from XX/XX/XXXX, {$0.00} balance due c. SLS never files Bankruptcy Rule XXXX mandatory reports d. SLS never files Amended the Proof of Claim 8. Times XX/XX/XXXX days late XXXX a. Payee terminated in Bank account XXXX Can not submit electronic payments b. No loan statements from alleged servicer SLS after XX/XX/XXXX XXXX

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