Consumer complaint received 2022-02-15
Company: Shellpoint Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Good Afternoon, You may understand my shock and confusion when I saw my FICO score drop from XXXX to XXXX in one day. 

I did some research with XXXX, and found that a serious delinquency was reported on my credit history. I did further research and discovered that Shellpoint Mortgage Servicing had placed the delinquency on my credit report due to a mortgage that was not being paid. 

I was then really confused because I have not been the owner of property in question for over a decade and the mortgage associated with the property was discharged through bankruptcy in XXXX. 

On XX/XX/XXXX, I took out a mortgage of {$190000.00} with XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX then assumed my mortgage. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/XXXX, my wife and I were granted a Final Judgement For Divorce. I was left in financial ruin. 

I filed for XXXX XXXX bankruptcy on XX/XX/XXXX. At the time, the property at XXXX XXXX XXXX XXXX XXXX NJ was under water and had no financial value, i.e., the market value of the property was less than the value of the outstanding loans. 
During the course of the bankruptcy, I indicated that it was my intention to abandon the property at XXXX XXXX XXXX and did so. The XXXX  XXXX bankruptcy was granted on XX/XX/XXXX. The mortgage on XXXX XXXX XXXX was included in the bankruptcy filing. 

New Jersey Federal Court XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Case No. : XXXX Filed : XX/XX/XXXX Granted : XX/XX/XXXX It is against the federal Fair Credit Reporting Act to report accounts discharged through bankruptcy to credit reporting bureaus and companies that do so are libel for penalties. 
After the bankruptcy in XXXX, I had not heard in regard to the mortgage on XXXX XXXX XXXX until a few weeks ago when Shellpoint placed a serious delinquency on my credit report. After my divorce I signed XXXX XXXX XXXX over to my Ex-wife under the conditions that she kept up to date with all the mortgage payments. 

Her contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX This is the only information that I have for her. We have not kept in contact since the divorce. 

I have no idea how Shellpoint came to acquire this mortgage and I have to question what sort of due diligence the company performed in choosing to acquire it. A simple XXXX search would show that I am not the owner of XXXX XXXX XXXX and a review of my credit report would show that my credit history is very good with no outstanding mortgage or delinquencies present. 

The actions of Shellpoint have caused me and my family great financial harm as well as the lost sleep and stress. 

I hereby request that this delinquency be removed from my credit reports as soon as possible before any more harm is done and ensure that it is not repeated. I will attached documents that I hope assist you. 

I look forward to collaborating with you and resolving this matter soon.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation