Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally address a critical and unresolved credit issue that has severely impacted my financial standing and professional livelihood. Despite my diligent efforts, I have been unable to resolve this matter, and immediate action must be taken.

For over 10 years, I have consistently made on-time mortgage payments through my banks bill pay system. However, due to multiple changes in mortgage servicers and banking systems, my payments have not been properly credited, resulting in erroneous late payment entries on my credit report. Below is a detailed summary of the situation : 1. Consistent On-Time Payments : I have maintained a flawless payment history, ensuring all payments were made promptly through online bill pay without any prior delinquencies. 
2. Mortgage Servicer Transfers : Over the years, my mortgage has been sold and transferred between several servicers, leading to delays as payments were forwarded from one servicer to another.

3. Bank System Updates : My bank, XXXX XXXX, recently updated its bill pay system, which may have further complicated the payment process and contributed to the inaccuracies.

4. Documentation Submitted : I have provided extensive documentation, including proof of payment and detailed correspondence with XXXX XXXX and Loan Depot LLC. Despite these efforts, the issue remains unresolved. 
5. Credit Damage : As a result of these discrepancies, my credit score has plummeted from the XXXX to the low XXXX, severely affecting my ability to conduct business and secure financing. As a lXXXX XXXX XXXX XXXX XXXX XXXX XXXX in North Carolina, my professional reputation and livelihood are inextricably linked to my creditworthiness. The impact of this inaccurate reporting has caused significant financial strain. 
I have already contacted the Federal Trade Commission, XXXX, XXXX, and XXXX, yet no resolution has been achieved. Additionally, my communications with multiple representatives from XXXXXXXX XXXX and Loan Depot have failed to yield corrective action. Given the persistent nature of this issue, I am respectfully requesting the following : An immediate and thorough investigation into this matter. 
The prompt correction of any inaccuracies on my credit report. 
Assurance that my payment history accurately reflects my consistent, on-time payments.

Should you require any additional documentation or information to resolve this issue, I am more than willing to provide whatever is necessary.

This ongoing issue is deeply affecting my financial stability and professional obligations. I trust that you will treat this matter with the urgency it deserves and work toward a swift and fair resolution.

Thank you for your time and attention to this critical issue. I look forward to your prompt response. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation