Consumer complaint received 2016-06-12
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During each credit dispute investigation, SunTrust Mortgage has been fraudulently updating and changing information on the account reported by them with bogus payment history. This is nothing short of fraud and a clear violation of my civil liberties under the FCRA 611 ( a ) ( 5 ) ( A ) ( i ) and FCRA 623 ( b ) ( 1 ) for duties to report accurate information. 
Upon every dispute, they manipulated payment history by swapping current/late payment status around. It appears SunTrust Mortgage was just making an update on the account to satisfy the responsibility of doing a " reinvestigation '' as required by the FCRA when notified of a dispute. SunTrust Mortgage was not doing any reinvestigation and was merely providing false information to close the dispute quickly. 
On each screen print attached, you will see how the payment history was changed for specific dates, and then what the payment history was previous to the update. For the sake of brevity, I 'm only presenting XXXX report data from XXXX XXXX. I have copies of the credit reports showing these changes but it 's easier to see what changed using the format XXXX XXXX provides. 
XXXX XXXX - note the status on each example, which I have highlighted on the documents. 
See 1st example attachment - XXXX ; this attachment shows main cover page and the relevant page showing the SunTrust Mortgage account. On the SunTrust Mortgage account on this document, there you can see the date XX/XX/XXXX ( XX/XX/XXXX ) showing " 30 days late '' as of XXXX/XXXX/XXXX. 
See 2nd example attachment - XXXX ; on the dispute initiated around XXXX XXXX a few months later, it shows SunTrust Mortgage changed XX/XX/XXXX from " 30 days late '' to showing " XXXX ''. " XXXX '' other payment date statuses were also changed on that dispute which is suspicious in itself. The dates at the bottom of the document are the time frame in which it happened noted by XXXX XXXX. 
See 3rd example attachment - XXXX ; on this more recent dispute around XXXX XXXX, it shows SunTrust Mortgage XXXX XXXX from " XXXX '' back to " 30 days late '' along with a few other date status changes. The dates at the bottom of the document are the time frame in which it happened noted by XXXX XXXX. 
See 4th example attachment - XXXX ; after the XX/XX/XXXX dispute still came back with bogus info, I rebutted again within weeks. This is my most recent dispute started in XXXX XXXX. SunTrust Mortgage only changed a single status this time probably to close the dispute quickly. Again for the 4th time XX/XX/XXXX was changed from " 30 days late '' back to " Current ''. This was barely even a month or so later. The dates at the bottom of the document are the time frame in which it happened noted by XXXX XXXX. 
As you can see from one example using XX/XX/XXXX ( XX/XX/XXXX ) they are continuing to manipulate my credit report with false and inaccurate data. 
XXXX XXXX was late, then current, then late, then current. All updated after different disputes. 
It was either late or it was n't! 
There are other dates that flip flop around as well but it would take much more time show this. I 've included screen shots to show different date statuses over time. All of this can be verified through my credit reports. There is no excuse or reasons for this. 
They have also changed my high balance from it 's reported balance to other amounts after the account closed reported as XX/XX/XXXX. 
Enclosed is a copy of the IRS form XXXX showing actual balance of {$170000.00} Enclosed is a copy of a XXXX credit report dated XX/XX/XXXX showing a balance of {$170000.00} Enclosed is a copy of a XXXX credit report dated XX/XX/XXXX showing a balance of {$180000.00} This is clear violation of my civil liberties under FCRA for intentionally and willfully providing inaccurate information.

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