Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
So what happens when a mortgage loan has been transferred to a company that doesnt report their loans to the credit bureau ? My credit is based off of my payment history, variety of loan types, and Debt to income ratio. 
My loan was in a forbearance  for 3 months for economic hardship ( I lost my job ) before Covid hit and then it was in forebearance due to Covid. Because I wasnt current when I entered the firebeatance I continued to be reported as late. So for one full year I have been reported 180 days past due every single month for 12 months. 
Please understand that prior to this time I had 100 % perfect payment history on my mortgage from XXXX to XXXX. Eleven years of perfect payment is not on my credit report. I believe it only is going back to XXXX. Still it was perfect until XXXX. When I got the forebarence the loan was transferred to XXXX different lenders and finally it landed on XXXX. XXXX doesnt report to the bureaus. So my credit is very hurt from this and is negatively impacting me in so many possible ways. I am a single mother of XXXX. No help from anyone but I do ok financially I am an XXXX I have a solid job and income and no issue paying my debts now. I bought my little townhouse in XXXX. I have since outgrown it ( XXXX bed ) and unable to buy a XXXX bedroom home even though I have over XXXX in home equity it just doesnt matter a bank will not give me a loan because of my credit. I was recently in a car accident and my car was totaled. Financing a new car has cost me 21 % apr! Before this all happened in XXXX my credit was over XXXX. My car loan was under 5 % apr. now my car at 21 % and not even a nice car. I can not get XXXX to report me to the bureaus I cant get XXXX, XXXX XXXX  or chase  to remove their negative marks on my credit. 
XXXX isnt going to transfer me to a new lender because they are happy with having me a customer. So even though I never would have financed with a business that doesnt report mortgages I was transferred to one and had no control in that. Isnt that a bit deceptive as the consumer? It was like a bait and switch really. I shouldnt be negatively impacted when my mortgage was sold or transferred. But I am and I was.. is there not any laws to help a person in my situation? Isnt this a breach in the whole truth and lending act? Isnt this a situation I would get some kind of understanding with? I dont know what steps to take to get myself out of this mess. I can not wait another 2 years to buy a new home my children need their own bedrooms now we just have no space ( waiting two years for it fall off ) My car is not a reliable vehicle for my family but with 21 % Apr its all I feel safe buying! Please someone help me figure this out. I had a forbeance through chase, then XXXX took the loan and wouldnt honor chases forbearance until the XXXX got involved they were actively in motion to foreclose. Then its moved to XXXX and XXXX  then XXXX. That job loss and forbearance then Covid destroyed me. But because I can show such good financial history before that, shouldnt it count for something?

Company response to consumer: Closed with explanation