Consumer complaint received 2018-01-17
Company: Credit Bureau Services Inc.
State: TN
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:
My first problem that has bothered me for years wit XXXX is this ... I filed bankruptcy in XX/XX/XXXX and reaffirmed my mortgage with XXXX. At the time of filing I was with a program call XXXX and in good standing, my payment was automatically paid biweekly. In XX/XX/XXXX I was actually release from bankruptcy. However in about XX/XX/XXXX, while checking my credit report, I found that my mortgage was still showing as in bankruptcy. I contacted XXXX, and they then tell me that my lawyer did not sign, therefore it was not honored. I went back to my attorney and the bankruptcy court to fix the problem but XXXX said it was too late because the case was closed. In XX/XX/XXXX, XXXX, notified the program that automatically paid my loan payments that the loan was in bankruptcy and they drop me without my knowledge..and from that point I got behind ... along with other issues one was I lost my insurance, I was late often by payments went up because I was n't able to get any that I felt was in my budget. XXXX automatically placed insurance on my home that tripled my initial amount. From this point XXXX began reporting to credit bureaus..not only my bankruptcy but my delinquent payments. This went on several years with different complaints to them as well as the bureaus, because by law it was if they carry me bankruptcy they could not report delinquent information. Approximately twice, XXXX removed the delinquent reports but still carried me in bankruptcy status. Within in notime my score began droppung, and there again XXXX begans to report my delinquent payments. Im still recieving the bills monthly but it states that it 's not an attempt to collect a debt. I have no access to my account information on line ... and when calling in, I 'm sent to the bankruptcy department. I have really been so upset about how the company has handled my mortgage with no respect to my concerns or my rights as a consumer. Last month they started foreclosure because of lack of payments, which is understandable ..I sent in 2 payments..I was sent letters and advised to call an advisor assigned to me but of course..she was always on another call ... I scheduled call backs..no call backs. Finally, received a letter to contacted the law firm. I called to get the total understanding of what was happening and what I could do to stop the foreclosure. I was able to reach a young man at XXXX who help me save my home of 20 years. On top of what I owed I had to I had to pay an additional XXXX to the law firm. After making all full payment, XXXX never contacted me back, by letter or call to let me know the conclusion. I was told by consumer service that the payments were received and my mortgage is reinstated. I then filed a dispute with XXXX, about credit reporting again, because they are still reporting delinquent payments and will probably by next month report the foreclosure or collection. I recieved a letter from XXXX asking me to send in credit reports with information I 'm disputing. My belief is that they know they are illegally reporting to the credit bureaus and are refusing to correct it, as if I dont know my rights..as well as holding my mortgage loan hostage for over 12 years for no legitimate reason. I am so disguised with how they 've treated me and have given up several times, thinking I had no other resort, but sue, but I ca n't afford to fight a corporation. I feel that in totally it is deliberate and predatory. This has caused stress, aggravation and XXXX which has affected so many other areas of my life. I also would like an audit of my mortgage payments and an estimated payoff date. Thank you in advance.

Company response to consumer: Closed with explanation