Consumer complaint received 2022-07-26
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As of today, Tuesday XX/XX/XXXX, PHH Mortgage Servicing is claiming that they are not responsible for my missing payment history for my mortgage and they stated that they had indeed provided the payment history for my mortgage to all 3 major credit bureaus ( XXXX, XXXX and XXXX ) for the months of XXXX, XXXX and XXXX of XXXX. 

Here is a copy of the response from PHH Mortgage Servicing stating that they have no control on how the credit bureaus report my payment history and PHH Mortgage Servicing knows that the credit bureaus only report what is provided to them by PHH Mortgage Servicing who is currently in violation of the FCRA and the FDCPA. 
**Beginning copy of response from PHH Mortgage Services** We have no control on how each credit bureaus reflects this information. You may contact the credit bureaus for any further assistance. The following is a list of the credit bureaus to contact : XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX TX XXXX XXXX PA XXXX XXXX PA XXXXXXXX XXXX XXXX XXXX *****End of copy of response***** Since PHH Mortgage Servicing stated the problem was due to the 3 major credit bureaus and to phone them directly, that's exactly what I did and here are the documented notes from the each major credit bureau ( XXXX XXXX XXXX and XXXX ) concerning the missing payment history for my account. 

Documented Phone Conversation With XXXX Representative : Spoke with XXXX rep on XX/XX/XXXX @ XXXX EST by the name of ( XXXX XXXX and she is on XXXX XXXX. The XXXX representative also stated that the mortgage history from PHH Mortgage Servicing is missing the payment history for months of XXXX, XXXX and XX/XX/XXXX and PHH Mortgage did not report them. The XXXX representative stated on today she is submitting a dispute over to PHH Mortgage Servicing to provide the payment history for the months XXXX, XXXX and XX/XX/XXXX and they are to be reportedly accurately for all 3 missing months payment history. 

Documented Phone Conversation With XXXX Representative : I spoke with XXXX, the agent name is XXXX ( agentid XXXX ), ( date XX/XX/XXXX @ XXXXXXXX XXXX ) and she stated that PHH Mortgage did not report the month of XX/XX/XXXX payment history to XXXX and XXXX has entered a dispute for PHH Mortgage Servicing to receive the payment history for the month of XX/XX/XXXX and for it to be provided to XXXX and reported accurately. Re : XXXX confirmation number : XXXX Documented Phone Conversation With XXXX Representative : Spoke with XXXX agent ( agent name XXXX XXXX on XX/XX/XXXX @ XXXXXXXX XXXX and the XXXX agent stated that the mortgage is being paid on time ; therefore, the X that being reported via XXXX  by PHH Mortgage Service is in violation because by the months of XXXX, XXXX and XX/XX/XXXX are being reported as current. By placing the X in the field, PHH is purposedly suppressing the information by placeing the X in the XXXX  field where the number 1 should go so that the months in question will report as current. XXXX representative entered a dispute with PHH Mortgage Servicing for them to remove the X and report the missing months of XXXX, XXXX and XX/XX/XXXX accurately.

Company response to consumer: Closed with explanation