Consumer complaint received 2020-03-27
Company: Specialized Loan Servicing Holdings LLC
State: FL
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:
Specialized Loan Services Has told me they have Removed 3 Late Payments which still show on my Credit Report. Says I was late in XX/XX/XXXX when Payment was made with XXXX XXXX on XX/XX/XXXX and Shows on there Statement as receiving on XX/XX/XXXX. The next one Shows I was late in XX/XX/XXXX and Shows with XXXX XXXX was paid on XX/XX/XXXX and Paid with sls on XX/XX/XXXX. The late one Shows I was late in XXXX which shows the payment was made with XXXX XXXX on XX/XX/XXXX and sls Received this on XX/XX/XXXX. After speaking with several reps and writing in emails which I have kept was told these will be taken off my Credit Record within 60 Days. This was also on a recorded line. Also the last email I got from them I had Printed out and now has disappeared from there web site which they claim all messages will remain in message center for one year. I also was on a recording line everytime I talked to a specialist about it and each one said it would be taken off. The last rep I talk to was XXXX number XXXX on XX/XX/XXXX About this and she assured it will be taken off Credit Record This was time sensitive I have sold my Home on XX/XX/XXXX and now because of sls I am Homeless for failing to report my credit correctly and I asked Her if she could give my a Letter Head and with my Name on it with account number and will be removed She said it would not be a problem seeing it was going to be taken off. XXXX with sls also promised to call me back on XX/XX/XXXX between XXXX and XXXX which were all on a recorded line and never received a call back. She said it would not be a problem to do it. The email I sent them on XX/XX/XXXX Was Hi on XXXX XXXX and XXXX I had disputes on Late Payments and they all have shown Resolved but but have not been taken off the Credit Bureaus. I was able to talk to a Company Rep which informed me they will be taken off and still appear on my Credit Record My Wife and I sold our home And our Closing Date is the XXXX of XXXX. I cant get into my New home until these items are removed. I also want to give authorized Permission for the Credit Bureaus to contact you. I have tried several times leaving my number with no one calling back. Can we please take care of this matter promptly. This was SLS response. Thank you for the inquiry. After a review of you account, we show that on XX/XX/XXXX your credit reporting was corrected with the credit Bureaus which can often take up to 60 Days to reflect on your Credit report. SLS does not have the capability to expedite this turn around time as it is out of our control. If you'd like to add Credit Bureaus as Authorized Third Party on your account please send a web inquiry with which specific agency you'd like to authorize. Thank you, XXXX XXXX id XXXX so after this two of the Three Credit Bureaus have called and they told them they are not taking them off. This is just straight up lies does everyone one who works for this Company report the facts and not cause so much grief in my Life and Hardship can you please help me with this???? Please I'm at your mercy now.

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