Consumer complaint received 2020-04-21
Company: Specialized Loan Servicing Holdings LLC
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:
I filed for a bankruptcy chapter XXXX back in XXXX of XXXX XXXX 9 Years ago ), I had a mortgage that was included in the bankruptcy and as soon as I received my discharge in XX/XX/XXXX, that same mortgage company ( Specialized Loan Servicing ), reported me more than 60 days late, which was not supposed to be done, considering that bankruptcy is 9 years old. I have reached out to them on many occasions since XXXX and have been told on multiple occasions it will be correctly reported to the credit bureau. Finally, after multiple failed attempts, since they have continuously kept reporting incorrect information, I sent a certified letter to the bank in question with all the proof and nothing has been done. I finally reached out to the credit bureaus, and sent the explanation, with all supporting documentation, I received a credit dipute update with XXXX, claiming that the mortgage company has reported correctly and that sufficient information was not provided. I sent XXXX  the letter I sent to mortgage company, a detailed explanation of what was going on and the proof of bankruptcy payment plan where this mortgage was included and completed with exact dates. I don't understand how much more specific I can be. I then call the XXXX  phone number XXXX, and am asked to verify my identity. I verify the information around 5 times, with the numeric portion of my address, phone number, social security and zip code and system says it can not verify my identity, although I am 100 % sure Ive input the correct info. Then I call consumer services at XXXX and explain I really need to speak to someone and they say they are terribly sorry but there's nothing they can do. I finally communicate with XXXX  and after 3 and 1/2 hours on hold ( I took a picture of the screenshot ), I was told by an XXXX  customer service rep that despite me sending them bankrupcy proof and advising them that mortgage company is being extremely uncooperative, the incorrect information will continue to be on my file.I then asked the rep if I can record her saying that and she agrees. Her ID # is XXXX, name XXXX I believe. I have the recording on my phone, just could not upload, where I recorded the rep confirming they would not remove the negative rating report. Both the mortgage company and XXXX have been very uncooperative. This has been affecting me in obtaining credit, including a refinance of a home I own and 1 I'm trying to buy. I have been more than patient and now I see myself extremely hurt, as no one will give me financing and I have a balloon loan due as well. Please help with having the mortgage removed from my credit ASAP, as it was included in my bankruptcy. Thank you in advance.I have also attached the letter of denial from the Lender trying to get me approved. This is only an example of what has been happening to me for a while. I have been pretty much denied by other banks because of this.

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