Consumer complaint received 2018-03-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi. I am writing today regarding a Hamp Mortgage Modification that has not gone very well at all. Before getting into the details I would like to thank the CFPB for the help received in the past. I had written to the White House regarding the actions of XXXX XXXX and XXXX XXXX XXXX  in XX/XX/XXXX-XX/XX/XXXX. The White House contacted the CFPB, opened up a case in my name and the CFPB stoppeXXXX XXXX XXXX XXXX from wrongfully selling my home on the courthouse steps for which I am grateful beyond words. I also had to call for assistance again due to XXXX XXXX XXXX  again wrongfully trying to force me into foreclosure claiming to have not received signed documents on time. This was also proven to be false and the CFPB actually had to step in again and deliver the documents to XXXX XXXX XXXX on my behalf. Those case numbers are XXXX and XXXX if they are needed for reference.

The issue I am writing about today is part of that same modification and has been an ongoing problem that I really need to be resolved once and for all. XXXX XXXX XXXX has been reporting a wrongfully delinquent and highly damaging history on my credit report to all 3 CRA 's. The fact of the matter is that I have never been late a single time and have made 60 ( 5 years ) of on time or early payments on this HAMP program loan. A testament to the success of the HAMP program in my case and I am thankful to have been given the opportunity that I was given. However, even though I have a perfect payment record and have been exemplary XXXX XXXX XXXX   has me down as being 120-180 days late on my credit reports from the time of XX/XX/XXXX toXX/XX/XXXX and will not remove the negative history. Unfortunately this also includes XXXX XXXX XXXX wrongful reporting for the month of XX/XX/XXXX as well. I had finally reached an agreement with XXXX  for a HAMP Modification. I was to make 3 trial payments and that was supposed to be my new mortgage. This was not the case at all as I made 2 of the 3 payments and XXXX  sold me to XXXX XXXX XXXX where in which I was to make my 3rd and final trial payment. That did not happen. XXXX XXXX XXXX   did not give me any modification papers at all until XX/XX/XXXXand when they did they had removed all of the Principle Reductions, all incentives and even added a hefty and absurd sum to the Balance. This was when the White House contacted the CFPB for me and the 1st case # I had. I was not until My/XX/XX/XXXX that I finally got my real and actual mortgage package. After all of that I had been frozen and stuck in that trial period for 15 months! This was forced on me, done to me against my will and without my consent. These are actually the very same months that XXXX XXXX was trying to take my home and the very same months that the CFPB had to step in on two separate occasions just to even get the correct modification package. I had a very in depth and lengthy conversation on every aspect of the modification prior to entering into it. I never agreed to being in any trial period for 15 months! If anybody had been truthful with me and told me that I was going to go through all of that for 15 more months and end up w 7 to 9 late pays on my credit report for 7 more years then I would have never agreed to it. That would definitely have been a deal breaker. This has been an absolute " bait and switch ''. XXXX XXXX  explained in depth that I would go into the trial period for 3 months ( XX/XX/XXXX- XX/XX/XXXX ), that my credit report would stay derogatory for those 3 months and then on the 4th month I would get my new formal modification package and that at point my credit report would be amended to reflect all payments as current from trial payment # 1 on. She even went on to sate that 24 months from them that my credit score would rebound and all kinds of wonderful things would happen. This was actually a huge part of why I made the decision to enter into the HAMP program. This is clearly not the case. In reality I spent 15 months fending off XXXX XXXX XXXX from trying to steal my home while making all of my payments early only to have up to 9 late payments ( varies by CRA ) reflected on my credit report. This is another thing I never agreed to. I agreed to enter into the HAMP program and have a NEW mortgage, not get one with 9 late payments on the history right out of the gate. Again, this is something I never agreed to and something I would never agree to. This is simply unacceptable. This also defeats one of the very purposes of the HAMP program in regards to having a chance to have a new mortgage with a new payment history. I have tried to resolve the issue numerous times since it has happened with the company and the CRA 's with no success. I need the CFPB to step in again. The newest response from XXXX XXXX XXXX from last week states that they will not be changing the reporting to the CRA 's. I am including it as well. They actually write in the response that because I was in the trial period that they themselves forced on me against my will for 15 months! This is the very same 15 month period that you, the CFPB had to take action against XXXX XXXX XXXX twice during that time frame to even get me my mortgage package. XXXX XXXX XXXX has been reporting accurately since the CFPB literally forced them to 1 ) give me my correct mortgage package and 2 ) force them to admit that they had my singed copies ( CFPB actually delivered my signed docs to XXXX  for me in the 15 month period! ). Long story short XXXX XXXX XXXX actually caused the 15 month long issue themselves and have damaged my credit for those 15 months on top of all of other undue stress they caused. Unbelievable. XXXX XXXX XXXX   even states in their response that because I was in the " trial period '' for all of those months which they caused themselves is the reason why they refuse to report all 60 months as " paid as agreed '' as if a 15 moth trial period is completely normal. I would be so very appreciative if the CFPB could investigate the matter and have Select Portfolio Servicing report all 60 payments truthful as " paid as agreed ''. I never agreed to that in the first place and for XXXX XXXX XXXX to use the very 15 month period against me that they spent trying to steal my home and the very same time frame that the CFPB had to step in twice against them is really quite brazen to say the least! I called the CFPB yesterday and had a pretty in depth conversation. I had read the HAMP program procedure and am familiar with it, but asked the CFPB yesterday if there was some kind of loop hole where in which XXXX XXXX XXXX  could change a 3 month trial modification period to a 15 month trial period without any warning or me agreeing to it and his answer was " No, they can not do that ''. Please look at my payment records and see that I have lived up to my end of things 100 % and please have my credit report corrected to reflect that accordingly as I have never been late. I can not even convey how tired I am of being denied credit due to my supposed " 9 derogatory payments to XXXX XXXX XXXX ''. Being asked over and over by a new potential creditors why I was late 9 times on my mortgage is mind blowing. I tell them that I wasn't, but it doesn't matter. I tell them that I'd like to know why it says that too! I get alerts on a weekly basis informing me that my derogatory payment history is affecting my score and I am constantly hounded and reminded of it. I am really just sick and tired of XXXX XXXX XXXX entirely and it is honestly astounding that they are even allowed to do any business at all. I look forward to having this resolved as son as can be and thank everybody in advance for that and again for the help I have received in the past with XXXX XXXX XXXX I sincerely can not wait for the day when I never have to see their name again. I am also including the form that XXXX  sent me stating that my mortgage was going to XXXX XXXX XXXX and that no terms of the agreement were being changed. Please et me know if any other documentation is needed and please feel free to view the other documents already included in the previous cases that might be needed! Thank you!

Company response to consumer: Closed with explanation