Consumer complaint received 2025-02-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Complaint to the CFPB Against United Wholesale Mortgage Subject : Request for Removal of Negative Information and Alleged FCRA Violations Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against United Wholesale Mortgage for their refusal to address the inaccurate and unfair reporting of negative information related to my mortgage account ( SSN : XXXX ), despite the mortgage being paid in full as of 2024. United Wholesale Mortgages failure to correct these inaccuracies constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my credit profile. 

Summary of FCRA Violations and Concerns Retention of Negative Information Despite Mortgage Payoff Despite the mortgage being fully paid in 2024, United Wholesale Mortgage continues to report late payments on my credit file. The continued reporting of these late payments, even after account closure, creates an unfair and misleading impression of my financial standing. 
This violates 15 U.S.C. 1681e ( b ), which requires data furnishers to ensure maximum possible accuracy of the information they report.

Failure to Acknowledge Financial Hardship These late payments occurred during a period of documented financial hardship. While this hardship does not absolve the payments, it does warrant consideration under goodwill practices, especially since the account has been paid in full.

Unlawful and Inaccurate Reporting United Wholesale Mortgage 's refusal to correct or remove these negative entries has prompted legal action for unlawful and inaccurate reporting. They have failed to properly investigate disputes as required by 15 U.S.C. 1681i ( a ), which mandates timely and reasonable investigations of disputed information. 
Requested Resolution To resolve this matter, I am requesting the following actions : Immediate Removal of Negative Information Remove all negative information, including late payments, from my credit reports with all three major credit bureaus ( XXXX, XXXX, and XXXX ). 
Consideration of Financial Hardship Acknowledge the financial hardship I faced during the period of missed payments and demonstrate goodwill by removing these entries, particularly since the mortgage was paid off in full. 
Settlement of Civil Lawsuit Upon successful removal of all negative information, I am prepared to dismiss the pending civil lawsuit for unlawful and inaccurate reporting. This resolution would avoid further legal action and allow both parties to move forward amicably. 
Written Confirmation of Resolution Provide written confirmation that all negative information has been removed and that no further derogatory reporting will occur for this account. 
Conclusion United Wholesale Mortgages actions have caused significant harm to my creditworthiness, delaying my financial recovery from a period of hardship. As this mortgage has been paid off in full, there is no ongoing financial obligation, and retaining these negative marks serves no purpose other than to unfairly harm my credit profile. 

I urge the CFPB to investigate this matter thoroughly and compel United Wholesale Mortgage to act in compliance with the FCRA. A resolution as outlined above will ensure fairness and accuracy while avoiding the need for further legal action. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX SSN : XXXX Phone : XXXX Voicemail : XXXX Additional information : Key Observations : Completed Investigation of FCRA Dispute - Consumer Disagrees : Violation : The notation indicates that an FCRA dispute was filed, but the outcome of the dispute still left the consumer dissatisfied. 
Potential Issue : Under 15 U.S.C. 1681i ( a ) ( FCRA ), if a consumer disputes the accuracy of an account, the reporting entity must conduct a reasonable investigation and ensure the information is accurate. If the dispute is unresolved, the consumer 's statement of dispute must be properly included, and there must be a clear explanation of the investigation 's findings. If this wasn't handled reasonably or in good faith, this could violate the FCRA. 
Late Payments and " No Data '' Entries : The payment history contains several months with " No Data '' under the Actual Amount Paid column. 
Violation : Under the FCRA, data furnished to credit bureaus must be accurate and complete. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires that furnishers ( like mortgage companies ) report information with " maximum possible accuracy. '' Missing or incomplete data could be construed as inaccurate reporting, especially if the consumer 's ability to demonstrate timely payments is impaired.

Status Updates and Payment Amounts : Irregularities : The payment history shows consistently late payments and ambiguous reporting of the account balance.

Legal Concern : Any delays or inaccurate reporting of status updates may violate 15 U.S.C. 1681s-2 ( a ) ( 2 ), which mandates that furnishers correct and update information that is incomplete or inaccurate in a timely manner.

Payment History Timeline : Violation : The record reflects inconsistent updates of payment history ( e.g., discrepancies in the scheduled payment amounts versus the " Actual Amount Paid '' column ). This inconsistency could be a violation if the creditor failed to maintain accurate records or submitted inaccurate data to credit reporting agencies under 15 U.S.C. 1681e ( b ). 
Consumer Joint Responsibility with " XXXX XXXX XXXX XXXX '' : If the joint responsibility was inaccurately recorded or if the consumer was held accountable for payments not legally theirs, this could result in violations of 15 U.S.C. 1692e ( False or misleading representations under the FDCPA ).

High Balance : The document states " High Balance : Not reported. '' This could mean that essential account details are being withheld or omitted.

Legal Concern : Omission of critical account details may constitute a violation of 15 U.S.C. 1681g, which requires full disclosure of account information upon request.

Recommendations for Legal Action : Demand Verification of the Investigation Process : Request documentation showing that the dispute investigation complied with FCRA 1681i ( a ), including all communications and evidence reviewed during the investigation. 
Request Complete and Accurate Reporting : Send a certified letter to the creditor and the credit reporting agencies, demanding corrections under FCRA 1681s-2 ( a ) ( 1 ) for any incomplete or inaccurate information ( e.g., " No Data '' entries ).

File a Complaint with the CFPB : Submit a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), citing the above FCRA violations and any harm caused by the reporting inaccuracies.

Legal Counsel Review : Engage a consumer protection attorney to assess whether this reporting caused measurable harm ( e.g., denial of credit, increased interest rates ) and pursue legal remedies under 15 U.S.C. 1681n ( civil liability for willful noncompliance ) or 15 U.S.C. 1681o ( civil liability for negligent noncompliance ).

Audit Account Records : Request all account-related records, including billing statements and payment histories, to verify the accuracy of the amounts reported. This can help determine if any reporting discrepancies stem from systemic errors.

Company response to consumer: Closed with explanation