Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
I am submitting this XXXX XXXX Dispute regarding inaccurate, incomplete, misleading, and objectively verifiable mortgage reporting furnished by CrossCountry Mortgage and/or its servicing agents to consumer reporting agencies. I dispute the reporting of XXXX late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The reporting is inaccurate and misleading for the following reasons : I was current on my mortgage obligations prior to entering a servicer-approved forbearance program. The approved forbearance covered the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the approved forbearance period, payments were not contractually due under the terms of the loss mitigation arrangement. On XXXX XXXX, 2026, before the expiration of the approved forbearance period, CrossCountry Mortgage approved me for a VA XXXX Loan Modification Trial Plan. Despite the existence of the approved forbearance and subsequent loan modification approval, XXXX Mortgage furnished XXXX delinquency reporting for the months covered by the loss mitigation arrangement. Reporting these months as XXXX days delinquent materially misrepresents the actual status of the account and creates a misleading impression that I failed to make payments that were contractually required during the approved forbearance period. The Fair Credit Reporting Act requires furnishers to provide information with maximum possible accuracy and to conduct a reasonable investigation when a dispute is received. Furnishing severe delinquency codes for months subject to an approved forbearance and loan modification raises substantial concerns regarding compliance with FCRA 623 ( b ), FCRA 607 ( b ), CFPB Circular 2022-07, and applicable Metro 2 reporting requirements. Furthermore, the reporting appears facially inconsistent because : The account was in an approved loss mitigation program. A loan modification was approved before the forbearance period concluded. The reported delinquency status does not accurately reflect the account 's documented servicing history. The reporting may be incomplete and misleading even if technically based on internal servicing records. As recognized by the court in XXXX XXXX XXXX Banking XXXX XXXX XXXX, information may violate the FCRA when it is technically true yet materially misleading in a way that can adversely affect credit decisions. Accordingly, I request that CrossCountry Mortgage conduct a meaningful investigation and provide : The complete payment history for the account. The Date of First Delinquency ( DOFD ) relied upon for the reported late payments. All servicing notes related to the forbearance and loan modification review. Documentation supporting the furnishing of XXXX delinquency codes for XX/XX/XXXX through XX/XX/XXXX. Copies of all XXXX XXXX data transmitted to XXXX, XXXX, and XXXX concerning this account. Confirmation of whether the account was coded as being in forbearance, loss mitigation, or trial modification status during the disputed reporting period. If XXXX Mortgage can not substantiate the accuracy and completeness of the reported delinquency information, I request immediate correction or deletion of the disputed late-payment history with all consumer reporting agencies to which the information was furnished. This dispute concerns objectively verifiable facts and requires a substantive investigation rather than automated verification. Please provide the results of your investigation and all supporting documentation upon completion. Failure to conduct a reasonable investigation or continued furnishing of inaccurate, incomplete, or misleading information may result in additional complaints to the Consumer Financial Protection Bureau, state regulatory authorities, and the pursuit of all rights and remedies available under federal and state law.

Company response to consumer: Closed with explanation