Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
I am filing this complaint against RoundPoint Mortgage Servicing Corporation regarding inaccurate and inconsistent late payment reporting on my mortgage account ( Account : XXXX ), opened XX/XX/year>. This account is a joint XXXX XXXX mortgage currently reporting on all three major credit bureaus with conflicting, unverified, and inaccurate delinquency status that is materially and actively suppressing my credit score. THE INACCURACY CROSS-BUREAU INCONSISTENCY : The same account is reporting different late payment history across all three bureaus simultaneously, which is direct proof that the information is not accurate : XXXX reporting 5 late payments including 120+ days past due XXXX reporting 5 late payments XXXX reporting 3 late payments with a forbearance notation The same account can not have 5 late payments on two bureaus and only 3 on a third. This inconsistency alone is a violation of FCRA 607 ( b ), which requires furnishers to maintain reasonable procedures to ensure maximum possible accuracy. At least one of these reporting records is factually wrong and potentially all of them are. FORBEARANCE VIOLATION : XXXX is reporting a forbearance notation on this account. If any of the disputed late payments occurred during a forbearance, deferment, or hardship agreement, those late payment notations are being reported in direct violation of the CARES Act and applicable FCRA furnisher guidelines, which explicitly prohibit negative credit reporting during an agreed-upon forbearance period. RoundPoint has never provided documentation confirming whether any disputed months fall within a protected forbearance period. WHAT I HAVE REQUESTED AND NOT RECEIVED : I have disputed this account and formally requested that RoundPoint provide the following, none of which has been produced : A complete payment history ledger showing every payment received, the date received, amount, and how it was applied Documentation of any forbearance or hardship agreement on this account, including exact start and end dates Proof of the exact due dates and amounts due for each month reported as late Servicing notes and system records used to determine the late payment status An explanation for why the late payment history is being reported differently across all three bureaus RoundPoint has failed to provide competent verification of the disputed late payment notations. Under FCRA 611 and 623 ( a ) ( 1 ) ( A ), unverifiable information must be corrected or deleted. Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher that continues to report inaccurate information after receiving notice of a dispute is in direct violation of federal law. FINANCIAL HARM : This inaccurate reporting is the single largest negative factor on my credit profile. The presence of a serious delinquency particularly one reported as 120+ days past due is directly causing my credit score to be suppressed, limiting my access to credit, increasing the interest rates I qualify for, and causing ongoing and measurable financial damage.

Company response to consumer: Closed with explanation