Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

My mortgage payment history is not being accepted or reported by XXXX. This credit bureau is the only credit bureau refusing to accept my payment history from my mortgage company, Carrington Mortgage Services , LLC . 

I have contacted XXXX regarding this issue several times over the past few months, I have spoken to staff and supervisors on the following dates : XX/XX/XXXX & XXXX XX/XX/XXXX & XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Promises have been made, but the issue is still not resolved and it is hurting my credit. I have been volleyed back and forth between my mortgage company and XXXX. 

Carrington sent me a letter on XX/XX/XXXX indicating that the problem is XXXX. Or is it Carrington Mortgage Company? I received a letter from Carrington on XX/XX/XXXX saying they will get back to me my XX/XX/XXXX. 

I don't have confidence in either company. 

I hope that CFPB can resolve this issue so that I credit is protected and reported correctly. My social security number and addressed has been verified each time. This letter is primarily directed at XXXX because they have broken every promise to resolve the problem. 

Just to give you some history. This has been a problem for months and poor service from XXXX. On XX/XX/XXXX, I spoke with XXXX, a " supervisor '' with XXXX. She was rude and she refused to escalate my complaint or provide her supervisor 's name and contact information. I explained that I have a letter from my mortgage Carrington Mortgage Company stating that they are accurately reporting my mortgage payment history to 4 credit bureaus. Since XXXX, I have had pleasant conversations at XXXX. I have talked with XXXX, XXXX, XXXX and XXXX and couple of other people. But no one has resolved the problem on any of the dates that are of record. 

TODAY, XX/XX/XXXX, I spoke with Supervisor XXXX at XXXX Dispute Department XXXX. He asked me to call Carrington Mortgage company, and have them call XXXX XXXX XXXX XXXX at XXXX. Why am I being bounced back and forth? 

I need help from agencies with the authority to intervene on my behalf. I have contacted my county auditor, and county attorney general. I also sent the same certified mail and called XXXX, and was told that I need to file a complaint against XXXX and Carrington Mortgage Company. 

I am an XXXX XXXX. On XX/XX/XXXX, I turned XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have provided XXXX with my driver 's license, auditor report, payment history for past 12 months. I have provided XXXX with proof " mortgage payments '', an escrow statement. Everything indicating that I own my home/condominium. This is what XXXX asked for and I provided it. 

I obtained a mortgage for this property in XXXX. I pay my loan to Carrington Mortgage Company. My condo consists of 3 bedroom, 3 full bathrooms, Kitchen, great room, utility room and 2/1/2 car garage. It is a condominium. I have attached the county auditor report, which pays my taxes to Carrington Mortgage company. The payment is public record. 

I am filing a complaint against XXXX with the CFPB XXXX Consumer Financial Protection Bureau. 
Please resolve this issue. 

My score with XXXX is XXXX points lower than other credit reporting agencies : XXXX, XXXX, and XXXX. They are doing an excellent job of including my mortgage payments. I am working hard to resolve credit problems from a divorce 10 years ago, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I am recovering from a pandemic. 

My mortgage is in good standing, and I am proud of making extra payments on my mortgage. I just paid off a 2nd car that I own. I have some credit issue to resolve and I am getting issues resolved. 

I want XXXX to treat me fairly and to stop giving me the round around. 

Thank you very much for your time and consideration. At your earliest convenience, I look forward to hearing from XXXX regarding what you can do on my behalf to resolve this unfair treatment by XXXX Credit Bureau who has broken every single promise to resolve the problem. Will you contact XXXX and Carrington Mortgage Company and get them working together? 

I bought my home almost 20 years ago. This is not reflected by XXXX and it should be on the report.