Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MidAmerica Mortgage Inc (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To Whom It May Concern, XXXX stated in their previous letter to me, that my deed in lieu of foreclosure was completed effective XX/XX/XXXX, and that the account " was due for all subsequent payments at that time ''. They went on to claim that they reported the correct information to the credit reporting agencies on XX/XX/XXXX, indicating the deed in lieu of foreclosure was effective XX/XX/XXXX. However, they further stated that they did not update the changes to reflect the completed deed in lieu of foreclosure until XX/XX/XXXX. It is now XX/XX/XXXX and the changes do not reflect on my credit to indicate a " XXXX and/or settled '' balance. I want scanned documentation showing exactly what Mid America Mortgage , Inc. reports to the credit reporting agencies, as well as the cited date of submission. XXXX stated on XX/XX/XXXX, that they are the owner of the property ; the property at XXXX XXXX XXXX, XXXX, TN XXXX is listed in their Real Estate Property Owned. <P/>XXXX XXXX XXXX has hired several companies to handle the loss mitigation process. XXXX transferred the process over to XXXX with all documentation. XXXX, acting on behalf of XXXX XXXX XXXX, filed a XXXX " Cancellation of Debt '' where they cancelled and forgave all debt associated with the property. I filed this document on my XX/XX/XXXX IRS Tax Return. I have the letter signed and dated by XXXX XXXX XXXX, Vice President of XXXX, indicating that the Deed in Lieu of Foreclosure filed with XXXX was completed and finalized. <P/>First, I am not an attorney nor am I practicing law. However, I would direct your attention to XXXX v. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). The court, in their holding, stated that the issuance of a XXXX reflects a creditors cancellation and forgiveness of debt. Thus, the creditor can not sue a debtor in an attempt to seek economic losses. Restated, XXXX filed my XXXX, at the behest of XXXX XXXX XXXX, prior to being submitted to XXXX, again, at XXXX XXXX XXXX 's direction. Moreover, XXXX 's previous letter in response to my last complaint further reflects the outcome of the cancellation and forgiveness of the debt, along with my fourth signed Deed in Lieu of Foreclosure agreement with XXXX XXXX XXXX. <P/>XXXX XXXX XXXX, Deputy Property Clerk of XXXX County, and I called XXXX and we spoke with XXXX at XXXX on XX/XX/XXXX. XXXX stated that XXXX is handling the case ; sent documentation to XXXX ( manager ), who will follow up w/ the " closing department. '' The issue in XXXX XXXX is that XXXX never filed a document showing that XXXX XXXX XXXX actually owns the property. The last document they show was filed XX/XX/XXXX ; filed by XXXX XXXX. XXXX XXXX XXXX. ; this document, for some unknown reason, conveys the property back into my name, which at this point is beyond impossible. <P/>In Summary : My Customer Care Advocate at XXXX is XXXX XXXX XXXX. His direct line is XXXX. XXXX XXXX called me while I was in a meeting with my attorney where the following, listed numbers 1-7, was established : 1. The Deed in Lieu of Foreclosure is complete 2. I owe nothing on the account 3. The property at XXXX XXXX XXXX XXXX, TN XXXX is in XXXX 's Real Estate Owned. They own the property. <P/>4. XXXX has been negligent in reporting to the credit reporting agencies the " settled '' balance and are in violation of the XX/XX/XXXX Fair Credit Reporting Act. Mid America Mortgage , Inc. and/or XXXX needs to report the " XXXX balance or settled balance '' on my credit history. Moreover, I want scanned documentation, including the dates, from both companies of the submission to the credit reporting agencies. <P/>5. My name is improperly listed as the owner of the property mentioned herein. I do not hold insurance on property that I do not own. Therefore, I have no insurance on the property. If I am sued for liability for something that occurs on the property, I will subsequently sue the rightful owner ( s ). It is in Mid America Mortgage , Inc. 's and XXXX 's best interests to complete items 1-5 in this summary as soon as possible. <P/>6. XXXX XXXX needs to be updated with the proper and rightful documentation showing the rightful owner ( s ) of the property herein. <P/>7. Mid America Mortgage , Inc. needs to contact XXXX to get all information in regard to their complaints received by the CFPB at my behest on the following dates : XX/XX/XXXX and XX/XX/XXXX. <P/><P/>By XX/XX/XXXX, I am to receive a letter from XXXX 's business writers stating the same. <P/>XXXX 's contact number at her office is : ( XXXX ) XXXX ; her work email is : XXXX The mailing address to her office is : XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX You have my permission- if you need it at this point- to contact XXXX XXXX in regard to this property and send her the required documentation showing that the property has been conveyed from my legal possession and rights to the rightful owners, XXXX or Mid America Mortgage , Inc. , it 's successors, and assigns. <P/>
You need to do this now.
<P/>
Regards.
<P/>XXXX XXXX

Company response to consumer: Closed with explanation