Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MIDFIRST BANK
State: FL

Complaint narrative:
In addition to accessing my credit report without disclosure, outside the realm of monthly reporting, to interchangeably submit information related to 2016. whose purpose was to update historical information and not affect my score, caused a severe score drop that adversely changed my credit rating in all three credit bureaus, Midland representative XXXX XXXX told me the submissions were required by FEMA, Of which I called FEMA and was advised this was not at all the case, I was later told by a different Midland representative that it was an in-house practice. Pertaining to these matters I have not yet received any emailed correspondence to date that I asked for and was told I would receive. 

It was necessary to make reference to the above related complaint filed previously with CFPB, because the undisclosed reporting initially causing a 41 point drop in my score, was the start of a domino effect that has caused an additional 34 point decrease in my credit scores Midland advised me they would submit a correction because of the manner in which they submitted the remarks did not include the time frame which was 2016, XXXX XXXX said the line was not long enough to indicate that it was 2016. After spending many hours on the phone with XXXX, XXXX, XXXX and MIdland representatives, who are unemphatic to the emotionally stressful situation they have caused me, impatient and not willing to talk to me, but transfer me to voicemails, XXXX, a Midland representative presented an option of sending a form to the credit bureau which would stop Midland from their in-house practice of reporting information to the credit bureaus not related to the normal monthly practices of account reporting ( i.e. payment status ), in the process, Midland has cause my score to drop 34 additional points by re-reporting the late payments from 2016. These payments during my modification in 2016 should already have been accounted for years ago and a part of the detriment of my score in 2016. Why did Midland not report the late payments during the Modification in 2016? If they did then they need to advise the credit bureaus of this instead of the late payments that happened in 2016 being added to my record like new late payments. If Midland did not report them, they should not be allowed to do so now. 

Midland representatives display the lowest level of professionalism when I call, giving me the run-around, initially being accountable for their errors, now unwilling to speak to me and not accepting responsibility, them changing their stories, no uniformity, and very impatient to my distress caused by them. I pay ALL of my bills on time and have an exceptional payment history even with them, however during this precarious time of a pandemic, instead of being able to focus on myself and my family staying healthy, I am distressed and emotionally distraught beyond words fighting for something I've worked so hard to obtain ( my XXXX credit scores, ) and watching it being snatched from under me by the careless and unfounded actions of Midland Mortgage. 

XXXX XXXX keeps saying they are not responsible for how the credit bureau determines score after they submit information, however the real issue is why the XXXX are they submitting information not required by law in the first place about matters they have NOT disclosed to me, the customer? Midland Mortgage has violated my rights as a customer and the Fair Credit Report Act

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 non-monetary relief