Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Letter 1 : To XXXX  My Name : XXXX XXXX My Current Address : XXXX XXXX XXXX, XXXX, FL XXXX My Date of Birth : XXXX  My Phone Number : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Demand for Deletion of Inaccurate Information on My Report To Whom It May Concern : This letter is my formal dispute of inaccurate information on my credit report pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681i. I am deeply concerned by the number of inaccuracies on my report, which are severely and unfairly damaging my credit standing. 
The following accounts on my report are inaccurate, incomplete, or are not my legal responsibility and must be deleted : * PHH MORTGAGE SVC ( Acct # XXXX ) : This account is not mine. I relinquished all legal rights and responsibility for this property and the associated debt via a quitclaim deed. Its continued presence on my report with a {$150000.00} balance is a grave error. I demand its immediate deletion. 
* XXXX  ( Acct # XXXX & # XXXX ) : The reporting on these accounts is demonstrably inaccurate. Account # XXXX is listed with XXXX late payments but a balance of {$4500.00}, which is unreliable and contradicts other reports. Due to this unreliability, I demand the deletion of both accounts. 
* XXXX  XXXX ( Acct # XXXX - Closed ) : Your report lists this with XXXX late payments, while XXXX  reports XXXX. This information is unverifiable and inaccurate. Delete this account. 
* XXXX XXXX ( Acct # XXXX ) : Your report lists this account as " Current, '' which is a direct contradiction to other reports showing it as closed and severely delinquent. This is inaccurate. Delete this account. 
* XXXX XXXX XXXX ( Acct # XXXX ) : This collection account is reported with an " Unknown '' status and must be validated or deleted. 
I expect these inaccurate and unverifiable items to be removed from my credit file within the 30-day period mandated by the FCRA. 
Sincerely, XXXX XXXX Enclosures : Copy of my Report, Copy of my ID, Proof of my Address, Copy of my Quitclaim Deed Letter 2 : To XXXX  My Name : XXXX XXXX My Current Address : XXXX XXXX XXXX, XXXX, FL XXXX My Date of Birth : XXXX  My Phone Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute and Demand for Deletion of Inaccurate Information on My Report To Whom It May Concern : This is my formal dispute of inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act, 15 U.S.C. 1681i. My report is plagued with contradictory and false information that is causing me significant financial harm. 
First, my personal information is incorrect. My current address is XXXX XXXX XXXX, XXXX, FL XXXX. Your report incorrectly lists my current address as XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX. Please correct this immediately. 
Furthermore, the following accounts on my report are inaccurate, incomplete, or are not my legal responsibility and must be deleted : * PHH MORTGAGE SVC ( Acct # XXXX ) : This account is not mine. I am not legally obligated for this debt, having relinquished all rights to the property via a quitclaim deed. Your reporting of 14 late payments is false and must be removed. I demand immediate deletion of this entire tradeline. 
* XXXX  ( Acct # XXXX & # XXXX ) : The information you are reporting is grossly inaccurate. You list 15 late payments for account # XXXX and 32 late payments for account # XXXX. This is completely inconsistent with other reporting and demonstrates the data is unreliable. Delete both accounts. 
* XXXX  XXXX ( Acct # XXXX - Closed ) : Your report lists 7 late payments, while XXXX lists 0. This information is contradictory and therefore inaccurate. Delete this account. 
* XXXX XXXX ( Acct # XXXX ) : You report this as " 120 Days Late '' while XXXX  reports it as " Current ''. This is a major discrepancy. This account must be deleted. 
* XXXX XXXX XXXX ( Acct # XXXX ) : This {$20000.00} collection does not appear on my other credit reports. I demand full validation of this alleged debt from the original creditor. Absent verifiable proof, you must delete this collection. 
I demand a reasonable reinvestigation as required by law and expect these items to be deleted from my file within the 30-day period. 
Sincerely, XXXX XXXX Enclosures : Copy of my Report, Copy of my ID, Proof of my Address, Copy of my Quitclaim Deed Letter 3 : To XXXX My Name : XXXX XXXX My Current Address : XXXX XXXX XXXX, XXXX, FL XXXX My Date of Birth : XXXX  My Phone Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of My Inaccurate Personal Information and Incomplete Data To Whom It May Concern : This is my formal dispute of inaccurate and incomplete information on my credit report pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. 
Please correct the following personal information on my report : * Name : My legal name is XXXX XXXX. Your report incorrectly lists my name as " XXXX XXXX ''. Please correct this immediately. 
* Address : My current address is XXXX XXXX XXXX, XXXX, FL XXXX. Your report incorrectly lists my current address as XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX. Please update my file. 
* Incomplete/Fragmented Account : You are reporting an account for me from XXXX XXXX XXXX XXXXXXXX ( Acct # XXXX ). This account does not appear on my other reports, though similarly named accounts do. This appears to be fragmented reporting. Please verify this account with the original furnisher or delete it to ensure clarity and accuracy in my file. 
I ask that you conduct a review to ensure my file reports a complete and accurate depiction of my credit history, as the wide discrepancy between my three credit files is evidence of systemic reporting errors that are harming me. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Enclosures : Copy of my Report, Copy of my ID, Copy of Quit Claim Deed

Company response to consumer: Closed with explanation