Consumer complaint received 2022-02-26
Company: MIDFIRST BANK
State: NC
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:
I sold my home XX/XX/22. Thereafter, I realized my credit wasn't good. There were a few collection accounts I was unaware of due to an ex spouse. I started working on paying off those collections and other accounts that were hurting my credit. I needed to find a home to rent and I was repeatedly being denied because of my credit. So around XX/XX/22 I started paying off accounts that I knew were mine and if the balance wasn't big, I paid off other accounts I knew weren't mine and starting disputes. A major issue was/ still is my mortgage still being reported, even though it's paid in full. Since XX/XX/22 to current I've been disputing accounts that are 100 % paid in full and not questionable. There's literally nothing to investigate because I have either paid in full emails or letters directly from the lenders. After disputing my mortgage as being paid in full and closed by me, the day after the dispute concluded the account is accurate, suddenly the next day it showed I owed something like $ 20k  AND a late payment. This was about 4 weeks ago. My score dropped XXXX points in a day. I couldn't believe it, I had already been living in a motel for 2 weeks because no one would rent to me before this happened because my credit score was only XXXX. Now it is XXXX. I then disputed it again and uploaded official docs directly from lender, a paid in full letter along with my closing disclosures from the house sale. 2 weeks later, again, dispute denied. A week prior I received a official lien release satisfaction of instrument document from the lender and another paid in full letter. The day after this, the account then updated to close to $ 35k past due and over 120 days late. I couldn't believe it, so I called XXXX and told them verbally the facts and the documents I have that prove my dispute. This time I upload the satisfaction of instrument, screenshots of my mortgage account that shows paid in full and {$0.00} balance. No late payments. Loan is was satisfied and closed. I also disputed another account I paid, XXXX XXXX, that I paid in full. I had already disputed this as being paid in full prior but the lender told me that it would be deleted. It wasn't my physical account in the first place, my ex spouse used the card. The dispute did change the status from past due to closed and paid in my favor, but I wanted it removed like agreed. So I disputed it again. This time, XXXX changed it from paid and closed back to {$560.00} past due and late!!! I'm waiting on what they will do with the latest mortgage dispute. 

I have filed a complaint with the XXXX  for Midland mortgage ( the account in question ) due to the fact they are continuing to report lies on my credit apparently, unless this is XXXX  doing the reporting themselves. Back Around XX/XX/22 I called Midland Mortgage to ask if they could report my mortgage as paid but they said they can't expedite the process of reporting the real status ( paid on full and closed ), and every time I dispute it, they report something even worse the next day after the dispute is closed in their favor. 

I'm sick of it, i had to live in a hotel for a month because of this credit reporting agency and my old mortgage company, while I sit here with HARD EVIDENCE directly from these lenders proving what I am disputing is TRUE. 

Something is fishy and I don't know why, but each time I dispute a PAID IN FULL CLOSED ACCOUNT, the dispute is denied and updated to even worse report than before. I've had it! I can't work on my credit when these companies are ruining it over accounts I am proving without doubt are paid in full. 

I even have all the phone calls recorded. I have emails from these lenders/ collectors. Bank statementz. Legal documents and direct letters that were mailed to me from the lenders. There is no way that they can come to the conclusion that these accounts are open unless they are lying, really not investigating anything and doing their job, collusion between XXXX  and these lenders, who knows but it's ruining my credit completely and they're doing nothing about it and they are purposely making it worse because they apparently haven't looked at any of the documents I have given them. 

If these lenders are reporting to them that the accounts are open, I need to know. Because someone is about to get sued for ruining my credit by repeatedly lying and giving me the most difficult time finding a home to rent. The distress has been way too much to handle while I'm a single dad with a XXXX XXXX XXXX. Luckily I found a house to rent after a month living in a hotel, but if these Credit Agencies aren't going to really fix my credit and undo the damage that they did purposely for whatever reason they have, someone needs to answer and give a clear reason why they are reversing their own dispute decisions on a second dispute of the same account. Seriously, finding in one dispute that I paid it and it's closed and then in the next dispute reopening the account and now past due. I guarantee after my mortgage dispute, now the third dispute of same account, is going to show even worse than before. Thats been the clear pattern. 

The funny thing is, this mortgage company actually owes me a refund. I don't owe them anything and they owe me like {$400.00} from escrow.

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