Consumer complaint received 2021-03-15
Company: MEMBER FIRST MORTGAGE, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Do NOT DEAL WITH MEMBER FIRST MORTGAGE EVER! This mortgage company was dumped on my lap by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when I applied for mortgage. It was. a HUGE mistake to get TWO TEN years mortgages from this company. This place has a huge training and staff turn over problems. They get most of their business indirectly so there is need for good customer service. I have two CLOSED mortgage accounts with Member First. Account number XXXX was PAID SATICFACTORLY & CLOSED in XX/XX/XXXX and account number XXXX was PAID SATICFACTORLY & CLOSED in XX/XX/XXXX. For the past NINE years I been trying to resolve a simple debt collection with XXXX XXXX XXXX XXXX, that slowly spun into a XXXX XXXX case through legal loop holes use - complain number XXXX. Member First Mortgage took secondary part in this collection SCAM by unnecessary inquires to drop my credit score DOWN, false credit reporting, sharing my financial information and creating difficult financial situation for me. Both companies assumed ownership of my credit report and were determined to destroy my credit. It was a fun game for them that last NINE years. I was busy trying to survive sustaining their XXXX I did not have the time to XXXX back. My lack or response kept them at it non stop, digging them selves into a DEEP hole. I was hoping this nightmare to END. but it did not. They took me for a XXXX Only a XXXX thinks all others are XXXX. Earlier this year after complaining about XXXX XXXX XXXX XXXX FRADULENT continuous HARD inquiries on my XXXX  report. All XXXX broke loose. After NINE years, the only thing they have to hurt me with is my TWO mortgage accounts with Member First company. My mortgage accounts credit reporting is completely destroyed. it is taking a lot of time and money to fight back. Non Stop daily FRADULENT credit report updates. I print my credit reports daily. These XXXX  are determined to break the law and violate my consumer rights With such ABNORMAL behavior they should not continue as financial institutions. For the past two months Member First Mortgage is leading an all out assault on behave of XXXX XXXX XXXX XXXX against me. Here is what is taking place with my credit report. XXXX FRADULENT updates : Account XXXX great focus on NEGATIVE account and payment comments. Payment history no accurate. Payment status reporting PAST DUE 60 DAYs instead of PAID SATISFACTORILY. Account was closed in XX/XX/XXXX, yet XXXX months later XXXX XXXX payment showing NA which negative meaning payment situation is not CLEAR / DECIDED. Reporting dates WRONG such as payments status. payment date, and first delinquency date. Account XXXX : Account XXXX great focus on NEGATIVE account and payment comments. Payment history no accurate. Payment status reporting PAST DUE 60 DAYs instead of PAID SATISFACTORILY. Account was closed in XX/XX/XXXX, yet three months later XXXX XXXX payment showing NA which negative meaning payment situation is not CLEAR / DECIDED. Reporting dates WRONG such as payments status. payment date, and first delinquency date. XXXX FRADULENT updates : Account XXXX Payment status NOT showing PAID SATISFACTORILY. payment history is NOT accurate showing bad payments only. Reporting dates WRONG such as payments status. payment date, and first delinquency date etc.. Account XXXXPayment status NOT showing PAID SATISFACTORILY. Payment history is NOT accurate showing bad payments only. Reporting dates WRONG such as payments status. payment date, and first delinquency date etc.. XXXX FRADULENT updates : My XXXX credit report sustained GREATEST damage because of XXXX system flexibility. Account XXXX Payment status NOT showing PAID SATISFACTORILY. Payment history is SERIOUSLY DAMAGED. Not showing good payments. ALL payments are LATE, most NINTY DAYS and the rest SIXTY DAYS. payments for months after account closure on XX/XX/XXXX are SERIOUSLY LATE too. Reporting dates WRONG such as payments status. payment date, and first delinquency date. Account XXXX Payment status NOT showing PAID SATISFACTORILY. Payment history is SERIOUSLY DAMAGED also. Same thing ALL payments are SERIOUSLY LATE, payments for months after account closure on XX/XX/XXXX are SERIOUSLY LATE too. Reporting dates WRONG such as payments status. payment date, and first delinquency date. XX/XX/XXXX payments is SIXTY DAYS LATE,. that is FOUR years after closing account. Not showing good payments. THIS IS NOT NORMAL. This is pre calculated by criminally minded sick individual that should NOT come in contact with the public

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief