Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
In XXXX, after my prior CFPB complaint about a Home Equity Line of Credit ( HELOC ) with Idaho Central Credit Union ( ICCU ) was closed, I discovered that key issues were still unresolved, including how ICCU handled my dispute, credit reporting, and sensitive trust documents. 

The original complaint ( CFPB # XXXX ) involved a verified XXXX XXXX XXXX XXXX  that destroyed business data and intellectual property, creating a severe financial hardship. My primary mortgage servicer granted long-term forbearance under the same hardship. ICCU, however, initially denied forbearance on the HELOC based largely on a single low-income snapshot, even though the hardship was tied to the cyberattack and not to long-term ability or willingness to pay. ICCU later responded to the CFPB with a short-term tailored forbearance but continued to treat the account as past due and reported it that way to the credit bureaus. 

On XX/XX/XXXXXXXX XXXX XXXX  after the first CFPB case was closed, I sent ICCU a certified, written Notice of Continuing Dispute and Request for Specific Findings under the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ), along with a Limited-Purpose Deletion Certification Request for proprietary trust documents ICCU had imaged on XX/XX/XXXX. In that letter I asked ICCU to : Provide an itemized accounting of the HELOC balance and past-due amounts ; Describe the investigation they claimed to have done in response to my earlier dispute ; Provide a copy of their HELOC hardship/forbearance policy and explain the specific reasons for limiting relief to a short period ; Confirm that my HELOC trade line would be coded to reflect payment relief/forbearance rather than simply past due while relief was active ; and Provide a written deletion certification describing how and when all images/copies of my Certification of Trust and related documents were permanently removed from their systems. 

As of XX/XX/XXXX, ICCU has not provided the requested hardship policy, has not described its investigation in any meaningful detail, has not given a deletion certification for the copied trust materials, and continues to show and report the account as past due during the relief period. I am concerned that this conduct does not comply with FCRA furnisher duties ( for accurate, non-misleading reporting and reasonable investigation of disputes ), ECOA/Regulation B requirements for specific adverse-action reasons, or basic data-handling standards for sensitive trust and IP-related documents. 

I am asking the CFPB to review ICCUs post-complaint handling of this HELOC for compliance with FCRA, ECOA, and applicable data-handling obligations, and to require ICCU to : ( 1 ) provide the full written responses and disclosures requested in my XX/XX/XXXX letter, ( XXXX ) correct its credit reporting to reflect the actual relief/forbearance status of the account, and ( XXXX ) provide a clear, written deletion certification for the copied trust documents.

Company response to consumer: Closed with explanation