Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
To : Mr. Cooper Group Inc. ( Nationstar Mortgage LLC ) Attn : XXXX XXXX XXXX  / XXXX Escalations XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX  Attn : XXXX Department XXXX Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/XXXX Subject : FORMAL LEGAL NOTICE TO CURE DEMAND FOR DOCUMENTATION AND DELETION OF FALSE LATE PAYMENT REPORTING ( Accounts ending in [ Mr. Cooper : XXXX ] and [ Nations Direct : XXXX ] ) To Whom It XXXX Concern, This letter serves as formal notice under FCRA XXXX ( a ), XXXX ( b ), and XXXX, as well as applicable state consumer protection laws, regarding false late payment reporting on my mortgage accounts that were paid in full but remain derogatory in credit reporting. 

You are hereby placed on notice that your continued furnishing of unverifiable derogatory data is a willful violation of federal law. 



XXXX ) VIOLATIONS CITED FCRA XXXX ( a ) ( XXXX ) ( A ) : Furnishing information known or believed to be inaccurate. 
FCRA XXXX ( b ) ( XXXX ) ( A ) - ( D ) : Failure to conduct a reasonable investigation of disputed information. 
XXXX XXXX Reporting Guidelines : Failure to properly document and transmit First Date of Delinquency ( FDDO ) and accurate payment history. 
XXXX v. XXXX XXXX XXXX XXXX  ( XXXX ) : Billing statements alone are not competent evidence of delinquency. 
XXXX v. XXXX  ( XXXX ) : A furnisher must conduct a reasonable, good faith investigation, not rely on automated verification. 
XXXX v. XXXX ( XXXX ) : Data furnishers must have supporting documents, not just system notes, to verify negative credit data. 



XXXX ) LEGAL DEMAND FOR DOCUMENTATION Within XXXX calendar days, you must produce the following for each disputed late payment : XXXX. Full Accountant-Level XXXX XXXX : All transaction dates, amounts due, amounts paid, posting times, and grace periods for the disputed months. 
XXXX. Signed Mortgage Note or Payment Agreement : The original agreement that governs due dates and defines what constitutes a late payment under your servicing policy. 
XXXX. Complete ACDV File : Copy of the XXXX XXXX XXXX XXXX form and your entire response provided to the CRA for each dispute filed by XXXX XXXX XXXX 
XXXX. XXXX XXXX XXXX : Names and titles of personnel who conducted the investigation. 
Methods used to verify the late payment. 
Logs, notes, emails, or system records showing how you determined the payment was late and accurate. 
XXXX. Any other documentation you rely on to justify continuing to report these late payments post-payoff. 



XXXX ) LEGAL DEMAND FOR ACTION If you can not produce all of the above, you are required to : Delete all late payment notations from all consumer reporting agencies ( XXXX XXXX XXXX  XXXX ). 
Update account status to XXXX with a {$0.00} balance. 
Provide written confirmation of deletion and correction to me and all CRAs. 

Failure to comply will result in : Immediate filing of CFPB, FTC, and XXXX XXXX complaints citing violation of FCRA and RESPA. 
Federal litigation and/or arbitration seeking statutory damages of {$1000.00} per violation, plus punitive damages, attorney fees, and costs. 
Request for discovery of your policies and procedures in full for compliance violations. 



NOTICE OF INTENT TO SUE This is your final opportunity to cure. 
If you can not fully substantiate your reporting with the requested documentation, continuing to report these late payments will be considered willful misconduct under FCRA XXXX. 
This will expose your institution to statutory and punitive damages in federal court. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation