Consumer complaint received 2025-04-27 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am submitting this follow-up complaint regarding the ongoing issues with ShellPoint Mortgage Servicing ( ShellPoint ) and their fraudulent credit reporting and wrongful foreclosure actions associated with MERS number XXXX. I initially filed a formal complaint with your office on [ Original Complaint Date ], and although some correspondence was received, the matter remains unresolved. Given the new developments and additional evidence uncovered since that time, I am respectfully requesting your urgent attention to this case once again. 

Reason for Re-Submission : Despite my initial complaint to your office, ShellPoint Mortgage Servicing has failed to provide clear validation of the debt and continues to fraudulently report an extinguished debt on my credit history, causing severe harm to my creditworthiness and personal financial standing. Furthermore, they have initiated wrongful foreclosure proceedings against me based on this false debt. 

In response to my complaint, ShellPoint and its counsel, XXXX XXXX XXXX, have provided judicial admissions which further corroborate my claims. Specifically, they admitted that : The mortgage was fully reconveyed and discharged in XXXX. 

Despite this, a new Deed of Trust was improperly re-issued in XXXX, attempting to falsely re-establish the debt. 

MERS, used to facilitate the loan transfer, has no legal standing to issue Notices of Default or take foreclosure action. 

XXXX lawsuits were filed, but due process was denied in the court system. 

These admissions confirm the inaccuracy of the reported debt and ShellPoint 's unlawful actions, yet they continue to report the debt as valid and enforce foreclosure proceedings without proof of debt ownership. 

Recent Developments : Since my initial filing, I have taken additional steps to further address the fraudulent reporting and wrongful foreclosure : I formalized an affidavit ( attached herewith ) outlining the fraudulent actions of ShellPoint and their failure to validate the debt, as well as the judicial admissions made in the complaint response from XXXX counsel. 

I have amended my complaint to include new evidence and the discrepancies in account numbers reported by ShellPoint. 

I have attached the full reconveyance deed showing the discharge of the debt in XXXX, as well as the MERS activity report confirming the loan has been inactive since XXXX. 

A copy of the original CFPB complaint, along with the ShellPoint response and supporting documentation, is also included to further clarify the ongoing issues. 

Why Your Attention is Needed Again : Given the seriousness of this matter, including the misreporting of the debt on my credit report, the fraudulent foreclosure actions, and the ongoing harm to my financial standing, I respectfully request that your office take immediate action. XXXX failure to correct their records, validate the debt, and cease their collection efforts continues to violate my consumer rights under both state and federal law. 

Additionally, ShellPoints repeated failure to investigate disputes properly and their inadequate responses to my requests for validation reflect a blatant disregard for the protections afforded to consumers under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Attached Documentation : Exhibit A : Original CFPB complaint and XXXX response ( including judicial admissions ). 

Exhibit B : Full reconveyance deed from XXXX, showing debt discharge. 

Exhibit C : MERS activity report, showing inactivity since XXXX. 

Exhibit D : Amended complaint, formal affidavit, and supporting evidence outlining ShellPoints fraudulent actions. 

Request for Immediate Action : I respectfully request that the XXXX : Investigate ShellPoint Mortgage Servicings actions and their failure to comply with state and federal law. 

Order ShellPoint to immediately correct the fraudulent reporting and remove the erroneous debt from my credit report. 

Stop any further collection efforts or foreclosure actions related to this invalid debt. 

Consider appropriate penalties and remedies for ShellPoints violation of consumer protection laws.

Conclusion : This ongoing situation continues to cause severe financial harm, and the failure of ShellPoint to take corrective action demonstrates a blatant violation of my rights. I am hopeful that your office will give this matter the urgent attention it requires and take the necessary steps to resolve this issue. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX of The XXXX XXXX XXXX XXXX XXXX XXXX PIC Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation