Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We went to court and received a judgement onXX/XX/XXXX concerning Nationstar. I recently checked my credit report and they have reported " Credit Grantor reclaimed collateral to settle defaulted mortgage '' as of XXXX XXXX. This should be from XXXX XXXX. Also, they are STILL reporting me as late paying in XXXX through XXXX XXXX. The judge ruled on XXXX XXXX, XXXX. I am asking that the late payments be removed. 

This is hindering me from obtaining a loan. The history of this property is due to my XXXX not paying the mortgage, and I feel that her behavior should not have tarnished my credit or ability to obtain a mortgage. I am enclosing the original hardship letter for reference. 

I submitted a claim with your organization last year, which got things moving. I am asking that the red flag on my credit report be removed. In fairness, this mortgage was sold three times.  XXXX XXXX XXXX purchased the note, then XXXX, then Nationstar. We were served an eviction notice from XXXX XXXX XXXX, and they sold the note right after we vacated as asked in XXXX XXXX. The home remains empty XXXX years later. This experience took away years that I could have been a mortgage. I am XXXX, and need to purchase and pay for a home before I retire. 

Thank you for your consideration, XXXX XXXX Original Complaint My XXXX XXXX was awarded the property in our  XXXX  in XXXX. She refused to pay the mortgage from the very first month, and on three separate occasions I caught the payments up and took her to court to get her out and stop damaging my credit. Dealt with a different judge each time. The first two told her to keep them current, with no judgement on her part, even though it was ruining my good credit. At the lowest point, my FICO score was at XXXX, based on her actions, not mine. The third time, I was awarded the property in XXXX. XXXX XXXX XXXX said I had to live there in order for them to work with me. For the next year in " modification '' of the loan they would not accept payments or send me a bill. Four times they " lost '' the paperwork and made me refile. Then they said  they could n't work with me because the house had been in arrears for too long. Told me to vacate, which I did, in XXXX XXXX. XXXX XXXX XXXX sold to another servicer, XXXX XXXX XXXX, and they added ridiculous fees to the original amount, making the amount due well over the amount of the {$140000.00} original loan. They agreed to a short sale, and our realtor worked on it for a year. They denied three cash offers, one that was at full value. In frustration, she gave up, and we could n't blame her. They sold a year later to Nationstar, who added their own outrageous fees. Our lawyer got involved, as Nationstar has included my current XXXX " XXXX XXXX XXXX '' and it has greatly impacted her very good credit. Nationstar sent legal documents offering us a " in lieu of deed '' offer which would take it out of our name, which is what we wanted. Our lawyer responded to Nationstar and asked them to proceed. No response from them. He then sent them an Order to Appear to get the ball rolling, and they responded by changing legal counsel. We got frustrated and gave up. That wasXX/XX/XXXX Our hands have been tied for obtaining a home loan for 10 years now. We were just denied a loan today because of this. Our loan would have been approved without this very large blemish on our credit report. We want our names removed from the title of the property that no one has actually foreclosed on in TEN years! It remains in my name. We want this removed from our credit files from all three reporting agencies for both my XXXX and myself. Any help or direction you can give us would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation