Consumer complaint received 2025-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Shellpoint Mortgage Services XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request for Removal of Late Payments from Credit Report Loan Number : XXXX Dear Shellpoint Mortgage Services, I hope this letter finds you in good health. I am writing to kindly request your assistance in removing the late payment remarks associated with my mortgage account from my credit reports. I have been a responsible borrower and have maintained a perfect payment record with Shellpoint Mortgage Services in the past. I believe the late payments were the result of extenuating circumstances beyond my control, and I would like to provide some context for your consideration. 

Firstly, I want to emphasize that I have always prioritized timely payments and maintaining a good credit history. However, during the period in question, I was facing several challenging circumstances that severely impacted my ability to make timely payments. 

One significant factor was my divorce, which was particularly contentious and led to a breakdown in communication between my ex-wife and me. Unfortunately, she had exclusive access to the mortgage account, and I was unaware of any impending payment issues. As a result, I was not able to rectify the situation promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I did not have access to electronic communication or the ability to manage financial matters effectively. This XXXX further hindered my ability to address any concerns related to my mortgage account promptly. 

Lastly, we were in the final stages of selling the house at the time, and I was unaware that there would be any complications arising from an allotment going to my ex-wife 's account. I had entrusted her with the responsibility of managing the bills through a power of attorney arrangement, assuming that all financial matters were being handled appropriately. Unfortunately, this assumption proved to be incorrect, resulting in the late payments. I want to reiterate that these circumstances were exceptional and beyond my control. They do not reflect my commitment to fulfilling my financial obligations. I have always strived to be a responsible borrower and have diligently met all my financial commitments in the past. 

I understand that according to federal law 15 U.S. code 168la ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I am asking that these late payments be removed from my report in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request and prove once again why Shellpoint Mortgage Services is heads above the rest. I look forward to your reply, Given my track record of timely payments prior to these unforeseen circumstances, I kindly request that you reconsider the reporting of the late payments to the credit bureaus. Removing these late payments from my credit report would greatly help in restoring my financial standing and ensure that my credit history reflects my true creditworthiness. 

Loan Information : Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I genuinely value my relationship with Shellpoint Mortgage XXXX and would like to continue this relationship on a positive note for any future business. I appreciate your understanding and consideration of my request, and I sincerely hope that you will grant the removal of the late payment remarks from my credit report. Thank you for your attention to this matter. I look forward to your positive response. 

Sincerely, XXXX XXXX

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