Consumer complaint received 2015-12-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (TX)

XXXX XXXX credit reporting is violating my rights by inaccurately reporting a Deed in Lieu between me and 21st Mortgage. First they do not state it was a voluntary surrender deed in Lieu or that it is a closed account and has been since XX/XX/XXXX. Instead they are marking this as an active loan and unpaid account for a balance I do not owe on an account that was closed five years ago. 
21st Mortgage is a predatory lender who sold me a house in a flood way in XX/XX/XXXX which flooded multiple times per year with XXXX foot rapids crossing my yard, flowing on both sides of the house, which carried away everything in the yard including cars, people and pets. My small truck sustained engine damage and I slipped rescuing my pet and fell down the berm just as the rapids hit. 21st had done a survey of this property with funds from my deposit prior to the closing in XX/XX/XXXX and knew it was in a flood way, but never told me. Moreover they placed my home on the ground in a flood way rather than spend money on elevation studies ( which I later had to pay for ) to elevate the property off the ground. I was not told about the flood way until FEMA came to my house after I had moved in and was going to cite me- until they read my contract and saw I was lied to and instead asked me to go to the office and complete the elevation study paper work. The realtor also withheld this information from me, so I sued her in small claims court and won just enough to elevate the house off of the ground. I was not aware 21st knew as well- until much later. 21st violated the law by not discussing this issue with me prior to the sale and endangered my life by placing the house on the ground in a flood way. 
21st should be ordered to pay my deposit back and the money for the elevation of the house and a fee for endangering my life by placing my house on the ground in a flood way and a fee for ruining my credit for five years thus far- I owe them nothing they owe me. 
21st has also not discussed this issue with subsequent owners if you look at all of the cached for sale ads online for this house in the last five years they all say either " Country living at its best. 
Or this '' this is the perfect place to live '' None mention the flood way at all which is completely illegal and unethical. 
I did not try to sell this property because I did not want to be responsible if someone who bought it from me was XXXX so I did a deed in lieu- I am not the bad guy here! I am a victim of a predatory lender. This was not my fault, yet I am the one being punished- still to this day I can not get a credit card- not even a secured one or get a conventional home loan and I just graduated with my Master 's degree and can not get a job. 21st Mortgage should not be allowed to put false information in my credit file and the credit reporting agencies should not allow predatory lenders to post fabricated nonsense about anyone. The account should read voluntary repossession Deed in Lieu XX/XX/XXXX, no balance account closed. Although since it has been miss reported for five years it should be removed entirely. 21st should not be allowed to update it with more lies each year either. 21st has resold this house- multiple times since the deed in lieu, collecting the deposit and payments of multiple individuals who fled the rapids there as I did- You should get the names of the former owners from the tax office and call them and ask about their experience with 21st Mortgage and the devastating flooding at this property. 
Credit reporting agencies are required by law to accurately report a credit account -asking a predatory lender if their information is correct is ridiculous it is not a proper investigation of a dispute. Please investigate.