Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I am filing this complaint because Shellpoint Mortgage Servicing has violated RESPA / Regulation X and the Fair Credit Reporting Act ( FCRA ) by failing to properly acknowledge my XX/XX/XXXX Notice of Error, and by furnishing multiple materially inaccurate credit reporting entries across all three credit bureaus. These errors significantly harm my creditworthiness and misrepresent my mortgage history. 

XXXX. Failure to acknowledge my Notice of Error ( RESPA violation ) On XX/XX/XXXX, I submitted a detailed Notice of Error through Shellpoints online portal. Under XXXX CFR XXXX ( d ), Shellpoint must acknowledge receipt within five business days. Instead, I received only a generic we received your email message that did not reference a Notice of Error, did not acknowledge the identified errors, and did not confirm an investigation. As of this filing, Shellpoint has not provided a proper RESPA acknowledgment.

2. Materially inaccurate principal balance My Shellpoint statement shows a principal balance of {$190000.00}, while XXXX reports {$280000.00}, overstating my mortgage by nearly {$100000.00}, in violation of FCRA 623 ( a ), Metro-2 standards, and Regulation X 1024.38.

3. Incorrect balloon / deferred balance My statement reflects a balloon balance of {$89000.00}, yet XXXX reports {$110000.00}, a discrepancy exceeding {$25000.00}.

4. Incorrect date opened and original balance XXXX reports a Date Opened of XX/XX/XXXX and an original balance of {$180000.00}. Shellpoint did not service my loan during that period and began servicing only after reinstatement in XXXX. These fields were improperly merged from a prior servicers data. 

5. Improper delinquency reporting Shellpoint is furnishing delinquency history from periods before it serviced my loan. My mortgage was reinstated in XX/XX/XXXX and brought current. Shellpoint may not furnish delinquency information for periods it did not service. 

6. Duplicate mortgage tradeline on XXXX XXXX is reporting two mortgage tradelines for the same loan, with the Shellpoint tradeline containing negative history belonging to the prior servicer. This merged reporting inflates my debt, falsely suggests two mortgages, and violates FCRA 623 and Metro-2 transfer-of-servicing rules.

7. Improper foreclosure remark on a closed account XXXX displays foreclosure proceedings started on the closed prior servicer tradeline, even though foreclosure never completed, never went to sheriff sale, and the loan was fully reinstated through the ERMA program. Shellpoint added foreclosure-related remarks for a period it did not service, creating a misleading and harmful credit representation.

8. Systemic Metro-2 furnishing failures Across all three bureaus, Shellpoints reporting includes incorrect balances, dates, delinquency history, transfer coding, duplicate tradelines, and inconsistent data.

9. Incorrect 30-day delinquency on XXXX XXXX XXXX Shellpoint continues to report a 30-day late payment for XX/XX/XXXX on XXXX XXXX XXXX despite this XXXX already being corrected and removed from XXXX following a prior CFPB complaint. The XX/XX/XXXX payment occurred during a temporary repayment plan that I later cancelled and fully cured. Continuing to report this late inconsistently violates the FCRA. 

10. Continued automated repayment-plan notices after cancellation Despite cancelling my repayment plan, curing the account, and returning to my contractual monthly payment, Shellpoint continues to issue automated repayment-plan approval notices. These communications indicate that XXXX systems have not properly terminated loss-mitigation coding and are contributing to the continued furnishing of an incorrect scheduled monthly payment of approximately {$2100.00} instead of my contractual payment of {$1500.00}. 

XXXX reinstated the loan in XX/XX/XXXX and continued making the monthly payments from XXXX through XX/XX/XXXX. Shellpoint began servicing in XX/XX/XXXX while the loan was current and being paid. Despite this, Shellpoint is furnishing foreclosure and delinquency history for periods it did not service and inaccurately reporting a loan modification that never occurred. 

These inaccuracies are materially harming my credit profile and must be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation