Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
Subject : Follow-Up Complaint Regarding Continued Reporting of Mortgage Foreclosure ( Round 2 ) I am submitting this follow-up complaint regarding a mortgage account reported by Vanderbilt Mortgage that continues to appear on my credit report despite the foreclosure process being fully completed. The continued reporting of this account is causing ongoing damage to my credit profile and raises serious concerns regarding the accuracy, completeness, and legality of the information being furnished. This is the second request for investigation, as my prior dispute has not resulted in a satisfactory resolution. At the time this mortgage account became delinquent, I was experiencing significant financial hardship due to a divorce, which contributed to the circumstances surrounding the foreclosure. While I acknowledge the financial challenges, this does not excuse the inaccurate or misleading reporting of an account that has already been foreclosed. Under 15 U.S.C. 6802 ( b ) of the Gramm-Leach-Bliley Act, a financial institution may not disclose nonpublic personal financial information to nonaffiliated third parties without proper notice and an opportunity for the consumer to opt out. I am requesting documentation demonstrating that my financial information related to this mortgage account was furnished to credit reporting agencies in full compliance with 15 U.S.C. 6802 ( b ). Additionally, under the Fair Credit Reporting Act : - 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of reported information. - 15 U.S.C. 1681i requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of information. The continued reporting of this foreclosure account without proper verification or documentation may constitute inaccurate and misleading reporting. I have not received sufficient evidence verifying the account, including foreclosure completion records, account history, and evidence that the reporting is accurate. Therefore, I am requesting the following resolution : 1. A full reinvestigation of this mortgage foreclosure account. 2. Documentation verifying the foreclosure, including completion records, account history, and balance verification. 3. Documentation proving compliance with 15 U.S.C. 6802 ( b ) regarding disclosure of my financial information. 4. Immediate correction or deletion of this account from my credit report if the reporting can not be fully verified, documented, and legally justified. If the furnisher can not provide sufficient verification and evidence supporting the continued reporting of this account, I request that it be removed from my credit report immediately and that all consumer reporting agencies be notified of the correction. Thank you for your prompt attention to this matter. I expect this follow-up dispute to be investigated thoroughly and resolved in accordance with federal consumer protection laws.

Company response to consumer: Closed with explanation