Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC (VT)

I was divorced in XXXX. My husband was awarded the primary residence and was supposed to refinance the joint debt. He failed to do so and also failed to keep the loan current. XXXX XXXX filed a foreclosure action in XXXX of XXXX. I offered a deed-in-lieu of foreclosure to XXXX XXXX at that time as I have a power of attorney to convey the property. They refused to accept the offer. The co-borrower did not respond to the foreclosure request ; therefore, it was not contested, and should have resulted in a summary judgment in XXXX. 

Instead of filing for a summary judgment, XXXX XXXX requested stays on seven occasions, while continuing to report the delinquency to credit for almost five years. The reason was stated as on-going loss mitigation and a possible forbearance agreement. A forbearance request has to be made by both borrowers, and I have never requested the forbearance that continued to delay the process. The co-borrower also never completed the requirements for such a request making the stays wholly unnecessary. In the past five years the co-borrower has only made 5 payments so the loan history indicates no serious attempts on his part to resolve the delinquency. Instead hes been enjoying a mortgage free home for over 5 years. 

The case has now been resolved, as I entered into a stipulated judgment in return from release of deficiency liability in XXXX of XXXX. A Joint Motion for Entry of Stipulated Judgment and Decree of Foreclosure, Waiver of Deficiency, and Shortened Redemption Period was filed with the court on XX/XX/XXXX. As the court accepted this stipulation and XXXX XXXX agreed to waive any deficiency, late payments should no longer be reported to credit for me. XXXX XXXX also failed to sell the home in XXXX when the judgment became final, and instead sold the loan to Selene in XXXX of XXXX. I only found out about the transfer from a court filing to change the plaintiff as no notices were sent to me. The new servicer has also failed to sell the home, and has requested continued stays to the process. 

In XXXX, Selene reported the loan as a new loan to credit rather than a transfer, resulting in my bureau showing two delinquent loans rather than one, and they also reported an incorrect date of first delinquency. Finally, they reported the loan as past due, even though it is well past the foreclosure and I was released from deficiency via the aforementioned court filings. This loan should not have been reported to credit for me at all by Selene. 

I called Selene on XX/XX/XXXX and was told they had no documents showing the court approved agreement made with XXXX XXXX. They requested that I email them the documents, which I did on XX/XX/XXXX. On XX/XX/XXXX I called and left a message, and received no call back. On XX/XX/XXXX I called again as I had received no response to the original email, a follow up email or the phone call. The representative told me they misfiled the documents and tagged them as not needing a response. Given the time passed, I requested an expedited response and was promised a call within three days. It is now XX/XX/XXXX, and there has been no response. As 21 days has passed with no response from the servicer on the request to correct credit reporting, I am filing this complaint.