Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: GA

Complaint narrative:
I am filing this complaint because XXXX XXXX  ( MidFirst Bank ) is reporting false, inaccurate, and legally impermissible delinquency information on my active FHA mortgage, despite the fact that I have made every required payment and remained current on my loan. XXXX  reporting is not only incorrectit is contradicted by XXXX own internal transaction ledger, which they mailed to me in response to my direct dispute. XXXX has refused to correct the false late payments and instead continues to provide misleading and incomplete responses that sidestep the actual issue. Their actions have caused demonstrable financial harm, including the denial of a refinance application and the inability to obtain accurate credit reporting from XXXX XXXX XXXX, and XXXX. 

XXXX XXXX Reporting Is False, and Their Own Ledger Proves It I received XXXX internal payment ledger, covering dates from XX/XX/XXXX through XX/XX/XXXX. This ledger shows : No 30-day delinquency.

No 60-day delinquency.

No 90-day delinquency.

No 120-day delinquency.

No missed payments.

Regular, consistent monthly payments posted on time. 

Every month shows either a PAYMENT entry or an FHA XXXX  posting, which is the escrow/servicer application of funds. There is not a single gap exceeding 30 days, and not a single instance where my loan went unpaid for a full billing cycle. 

Despite this, XXXX reported multiple late payments to XXXX XXXX, XXXX, and XXXX, including alleged 30-, 60-, 90- and 120-day delinquenciesall of which never occurred. These late payments do NOT appear anywhere on the ledger XXXX sent me. This means XXXX own internal accounting directly contradicts the derogatory information they reported to the credit bureaus. 

XXXX XXXX Provided Two Contradictory Letters and No Evidence XXXX has mailed me several letters in response to my disputes. These include : A letter stating they could not determine the nature of my dispute. 

A letter stating my reporting is accurate, without addressing any facts. 

A letter acknowledging a dispute but requesting I prove my own mortgage payment history, even though they control the ledger. 

A letter stating that a previous servicer received relief from stay, which has nothing to do with false late payments years after my Bankruptcy was completed. 

None of these letters included : Any copy of allegedly missed payments. 

Any evidence of delinquency. 

Any detailed explanation of how they determined the reporting to be accurate. 

Any servicing notes showing non-payment. 

Any notice of error acknowledgment under RESPA. 

Any investigation results under FCRA 623 ( b ). 

Instead, XXXX responses appear to be form letters written to stall, deflect, and avoid correcting inaccurate information. 

XXXX XXXX Is Attempting to Use Irrelevant Bankruptcy Stay Relief to Justify False Reporting In my previous CFPB complaint, XXXX claimed that a prior servicer received relief from stay on XX/XX/XXXX, and therefore their reporting was accurate. This claim is completely irrelevant, misleading, and factually incorrect in context : My XXXX  XXXX Bankruptcy was filed on XX/XX/XXXX and discharged in full. 

All arrears were cured through the XXXX XXXX plan. 

XXXX  claimed stay relief from a prior servicer has nothing to do with XXXX payment history or the false late payments being reported. 

Even if stay relief occurred, it does not authorize XXXX to fabricate delinquencies years after discharge. 

After discharge, all servicers must report accurately and may not report phantom delinquencies unrelated to post-discharge payment performance. 

Midlands use of an unrelated, years-old legal action as justification is highly concerning and further evidence of a failure to investigate the actual dispute. 

XXXX This Inaccurate Reporting Caused Real, Documented Financial Harm Because XXXX reported false late payments, I was denied a refinance with XXXX  . The loan officer specifically informed me that the denial was due to the delinquency history reported on my mortgage. I provided this information to XXXX, and they still refused to correct the inaccurate data. 

This harm includes : Loss of interest savings from refinancing. 

Loss of financial opportunity. 

Higher borrowing costs. 

Emotional distress and time spent repeatedly disputing the same information. 

XXXX XXXX Has Violated Its Legal Obligations Midlands actions violate multiple laws : 1. FCRA 623 ( b ) : Duty to Investigate and Correct As a furnisher, XXXX must conduct a reasonable investigation and correct inaccurate information. Instead, they : Ignored the substance of my dispute. 

Failed to provide any investigation documentation. 

Provided irrelevant responses. 

Repeatedly verified information that contradicts their own ledger. 

2. FCRA 602608 : Right to Accurate Reporting The false delinquency data violates my right to accurate reporting and XXXX duty to ensure maximum possible accuracy. 

3. RESPA 1024.35 : Notice of Error requirements XXXX received multiple disputes that clearly qualify as a Notice of Error, yet they : Failed to acknowledge the error. 

Failed to conduct a meaningful investigation. 

Failed to provide requested servicing documentation. 

Provided generic form letters instead of a legally compliant response. 

4. Dodd-Frank Act : Prohibition of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) XXXX  behavior is unfair and abusive because : It causes significant consumer harm. 

It offers no benefit to the consumer. 

It misrepresents the status of the account. 

It uses irrelevant information to justify refusing to correct errors. 

F. Evidence Provided to CFPB I have attached the following documents : XXXX  internal ledger ( multiple pages ) showing no delinquency. 

My Bankruptcy discharge order ( proving my case was resolved ). 

Final Trustee Report ( page 1 ) confirming all mortgage arrears were cured. 

Screenshots of the false reporting from the credit bureaus. 

XXXX  mailed letters, which fail to provide evidence or conduct a proper investigation. 

XXXX XXXX, and XXXX reports showing false late payments. 

Everything I am stating is supported by documentation. 

G. Summary of the Problem XXXX is reporting mortgage delinquencies that : Never occurred. 

Do not appear on their own ledger. 

Contradict the XXXX  XXXX cure. 

Contradict my consistent payment history. 

Have financially harmed me. 

H. Inconsistent Reporting Across Bureaus Proves the Reporting Is False Another red flag is that XXXX is not reporting the same information to all three credit bureaus. XXXX XXXX, and XXXX show multiple late payments that XXXX claims are accurate. However, TransUnion does not show any late payments at all. If the delinquencies were real, they would appear consistently across all three major bureaus. It is impossible for these alleged late payments to exist on some reports and not on others unless the data XXXX furnished is inaccurate, incomplete, or improperly submitted. This inconsistency directly violates FCRAs requirement that furnishers report accurate and consistent information to all consumer reporting agencies. It also proves that XXXX did not conduct a legitimate investigation, because a proper investigation would have revealed that they were furnishing conflicting and contradictory data. 

I. The Credit Bureaus Have Also Failed to Correct the False Information XXXXXXXX XXXX XXXX XXXX have all continued to publish the false late-payment data furnished by XXXX, even after receiving disputes and documentation. Each bureau has responded with investigation in progress or information verified, despite the fact that XXXX own ledger shows no delinquency. This means the credit bureaus either failed to obtain proper verification from XXXX, failed to evaluate the evidence I provided, or failed to identify that the data furnished to them is inconsistent, contradictory, and impossible. 

Additionally, XXXX  is reporting NO delinquencies at all, which proves that the data XXXX is furnishing across the credit bureaus is inconsistent and not accurate. If these late payments were real, they would appear across all three bureaus. Because they do not, the credit bureaus are publishing information that conflicts with XXXX own internal records and with each other. 

This failure to correct false information, combined with XXXX failure to investigate, shows that both the furnisher ( XXXX ) and the consumer reporting agencies ( XXXX XXXX, and XXXX ) are contributing to the ongoing harm by allowing inaccurate data to remain on my reports. 

XXXX has repeatedly failed to investigate the dispute, failed to correct the false information, and failed to follow FCRA and RESPA. 

I am requesting CFPB intervention because XXXX has refused to correct demonstrably false information, and the credit bureaus continue to publish inaccurate data based on XXXX erroneous reporting. 

This situation has become impossible for me to resolve directly with the company, and I need federal oversight to ensure accuracy and compliance.

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