Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
Dear CFPB Representative, First, I respectfully request that this complaint not be closed or categorized as a duplicate. I am submitting new information, new evidence, and outlining ongoing harm that has not been addressed in my prior complaints. Flagstar Bank has failed to respond to direct rebuttals, and the inaccurate reporting remains unresolved. 

Background : I was approved for a forbearance beginning XX/XX/XXXX and later a FEMA payment suppression from XX/XX/XXXX through XX/XX/XXXX due to XXXX XXXX. During these periods, payments were not required. 
Despite this, Flagstar reported my loan as delinquent and allowed the delinquency to continue aging throughout my forbearance and suppression period. This contradicts CARES Act credit reporting protections and FEMA disaster relief guidance. 
My loan was later permanently modified, and I was explicitly told the modification would result in the account being brought current. However, Flagstars reporting does not reflect this correction. This is likely due to an oversight as my loan was transferred before the modification was completed. 

Efforts to Resolve : I have filed multiple disputes with all three credit bureaus, yet the inaccurate reporting persists. 
I have filed several CFPB complaints, but Flagstars responses have not addressed the central issue of why delinquency continued during forbearance, suppression, and after modification.

I have contacted Flagstar directly through phone calls, emails, and certified mail. My certified letter was never picked up from the post office, and my emails remain unanswered. 
My current mortgage servicer has confirmed they do not have the authority to alter reporting from when the loan was serviced by Flagstar.

Current Problem : Flagstar has refused to meaningfully engage with my rebuttals or provide a substantive explanation. 
My credit report still reflects inaccurate delinquency, despite the fact that the loan was permanently modified and should be showing current. 
This inaccurate reporting continues to cause ongoing harm. 

Requested Relief : XXXX. A full reinvestigation into why my account was reported delinquent during the forbearance beginning XX/XX/XXXX and FEMA payment suppression through XX/XX/XXXX. 
XXXX. Correction of all inaccurate credit reporting, including removal of any delinquency that accrued during the forbearance/suppression period, and updating the loan to reflect its permanent modification and current status. 
XXXX. A clear, written explanation from Flagstar addressing its handling of my account during this time.

I respectfully ask for CFPBs oversight to ensure this matter is properly addressed and not closed without review, as this is not a duplicate complaint but a continuation of harm with additional evidence of Flagstars non-responsiveness.

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