Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: FL
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:
Im a XXXX veteran who informed XXXX XXXX XXXX  and its loan servicer, XXXX XXXX, as early as XX/XX/XXXX that I was in forbearance with XXXX XXXX XXXX while my loan was being transferred to XXXX, which is XXXX XXXX XXXX XXXX XXXX. Ive been trying to get this problem corrected since XX/XX/XXXX. XXXX XXXX XXXX  has been hurting my ability to refinance my mortgage to a lower interest rate. I have disputed this problem with the XXXX and Equifax credit bureaus on at least 3 occasions. And, on at least 3 times provided proof from XXXX XXXX XXXX  that I was not delinquent or past due to XXXX XXXX XXXX Research Department and Customer Service with no fair treatment and still unfair credit reporting from XXXX XXXX XXXX. 

Please see the attached proof from my credit reports showing XXXX XXXX XXXX  or its loan servicer, XXXX XXXX XXXX  reporting thXXXXt Im delinquent or past due in making mortgage payments. Please also see my XXXX XXXX XXXX Forbearance Letter, and my bank statements that show I was not delinquent in making any mortgage payments to XXXX XXXX XXXX  before the loan was transferred to XXXX XXXX Mortgage and its loan servicer, XXXX XXXX XXXX. 


I have exhausted all my efforts trying to resolve this problem. I was current on my mortgage payments and I had never missed a payment before being approved for loan forbearance. My current mortgage company, XXXX XXXX Mortgage, has been reporting that Im past due since XX/XX/XXXX even though the forbearance rules and this companys forbearance policy informs that there would be no negative credit reporting. My loan was transferred from XXXX XXXX XXXX  to XXXX XXXX XXXX  during XX/XX/XXXX. I was in active approved forbearance with XXXX XXXX XXXX  from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX. I was approved for forbearance in XX/XX/XXXX before my loan was transferred from XXXX XXXX Mortgage to XXXX XXXX XXXX. 

XXXX XXXX XXXX  does not treat Veterans fairly since they continue to wrongfully report to the credit bureaus that Veterans do not pay on time and that they are past due in making mortgage payments. Moreover, in the year and half that Ive been asking XXXX XXXX Mortgage to correctly report my mortgage payment history, I could have had a XXXX interest rate instead of my current XXXX interest rate and saved a lot of money. 

Today, XXXX XX/XX/XXXX, XXXX XXXX XXXX  is continuing to sabotage my credit rating by reporting to XXXX and Equifax credit bureaus that Im 30 days or not more that 2 months past due. XXXX XXXX XXXX has cost me a lot of money and a lot pain and agony. On XXXX XX/XX/XXXX, I received alerts from XXXX and Equifax credit bureaus that XXXX XXXX XXXX  is erroneously and wrongfully reporting that Im past due in making my mortgage payments. Again, I have always made my mortgage payments on time. 

XXXX XXXX XXXX  and its loan servicer, XXXX, persist on reporting the Department of Veterans Affairs approved and guaranteed partial claim promissory note balance of {$19000.00} is past due, which is against the forbearance policies and the Fair Credit Reporting Act of unfair, wrongful credit reporting. Over one and half years and XXXX XXXX Mortgage and its loan servicer, XXXX, will not follow the laws and rules. 


It is obvious to me that XXXX XXXX Mortgage and its loan servicer, XXXX, do not care to follow the forbearance rules and blatantly do not support XXXX Veterans trying to stay in their homes as well as improve their lot in life. Also, XXXX XXXX Mortgage and its loan servicer, XXXX, have proven that they both plan to continue to unfairly prevent me from refinancing my loan with another mortgage company. XXXX XXXX Mortgage and its loan servicer, XXXX, are not fair to XXXX and it is not a Veteran-friendly mortgage servicer. 


My date of last activity for mortgage payments was paid to XXXX XXXX Mortgage on XXXX XX/XX/XXXX. Please see the attached Freedom Home Mortgage payments ACH tracking information extracted from my bank account transactions. I made all my payments on time per the mortgage contract. 


Moreover, XXXX XXXX Mortgage and its loan servicer, XXXX, forbearance policies informs that there will not be any negative reporting. XXXX XXXX Mortgage and its loan servicer, XXXX, are also in direct violation of our federal governments forbearance policies. XXXX XXXX Mortgage and its loan servicer, XXXX, unfairly, erroneously and wrongfully report negative mortgage payments history for this Veteran to the credit bureaus. 


From EQUIFAX : Please remove the following statements from my Equifax Credit Report : Please remove NOT MORE THAN FOUR PAYMENT PAST DUE Please remove Date of First Delinquency XX/XX/XXXX. 


Please remove Amount Past Due : {$19000.00}. 


Please remove 60 Days Past Due From XXXX : Please remove the following statements from my XXXX Credit Report : Please remove " Payment Status : 90 Days Past Due. '' Please remove Past due amount : {$19000.00}. 


Please see the attached proof from my bank showing that payments were made on time and never late, my XXXX XXXX XXXX  Forbearance Letter, and my credit report from XXXX and Equifax. Thank you.

Company response to consumer: Closed with explanation