Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I filed disputes with XXXX, XXXX and XXXX regarding Nationstar ( dba Mr. Cooper, servicer " Rushmore Servicing ) regarding the errors and account history. On XX/XX/XXXX, the date of the last reported update to the credit reporting agencies by Nationstar incorrectly reports the mortgage balance as {$350000.00} ; date last payment XX/XX/XXXX ; actual payment {$5700.00} and date of last activity as XX/XX/XXXX. On XX/XX/XXXX, Nationstar ( aka XXXX XXXX ) sent a correspondence to me indicating the have provided updates to the CRA disputes. I went online to my accounts to all three of the XXXX XXXX XXXX to review the dispute results and credit report updates reported. Nationstar 's reported to the CRAs that their information was accurately reported and made no corrections. I submitted a dispute second dispute with all three CRAs on XX/XX/XXXX, and requested a reinvestigation of Nationstar ( aka XXXX XXXX ). I submitted copies of my mortgage statements from XXXX to the CRAs as evidence that the mortgage balance is {$350000.00} and timely mortgage payments for XXXX and XX/XX/XXXX were paid. On XX/XX/XXXX, I received correspondence from XXXX indicating that the received the inquiry from XXXX regarding my dispute and that they responded to XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I called the XXXX and XXXX CRA dispute resolution departments. I was informed that the only way that the corrected mortgage balance ; and monthly historical account information for XXXX, XXXX and XX/XX/XXXX could be changed is initiated by Nationstar, regardless that CRAs have the document evidence that the information proof that Nationstar is failing to accurate report the mortgage balance and monthly historical payments since XX/XX/XXXX. On that same day I also called Nationstar ( XXXX XXXX ) to express my complaints that they have negatively impacted my XXXX score which has discreased by XXXX points as a direct result of their failure report my mortgage payments since XX/XX/XXXX. The XXXX score show that only XXXX months of mortgage payments have been by Nati onstar. I am directly being severe harmed financially and my ability to obtain college financial aid ( college loans ) is directly harmed by the decreased credit score. My daughter is going into her second year of college for XXXX school. My credit score is directly used in the Federal Parent Plus Direct Student Loan Application. Further, I am not able to apply a Home Equity Line of Credit with my XXXX XXXX XXXX, who told me to wait XXXX months for the Nationstar to show my mortgage historical account information. I will not be able to send my daughter back to college in the XXXX XXXX if I am unable to secure Federal Parent Plus Direct Student loan because of the harm that Nationstar ( XXXX XXXX ) has caused for their failure to fairly and accurately report to CRAs.

Company response to consumer: Closed with explanation