Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Rocket Mortgage has been furnishing inaccurate information to the credit reporting agencies about my mortgage loan. 

From XXXX through XXXX my account was in CARES Act forbearance accommodations with documented extension letters. Each extension required trial payments, which I made, and there were no gaps. Despite being in an official accommodation status, Rocket reported my account as XXXX to XXXX  days delinquent across Experian, Equifax, and TransUnion. Under CARES Act section 4021, an account in accommodation where the borrower complies with the plan must be reported as current, not severely delinquent. 

In XX/XX/XXXX I executed a loan modification agreement that capitalized arrears and reinstated my account. Rocket continued furnishing derogatory history after this modification instead of resetting my account to current as required by XXXX XXXX reporting standards. 

From late XXXX through mid XXXX I was placed in approved workout and trial plan agreements. These were formalized payment arrangements requiring token payments, which I made in compliance with the plans. XXXX still furnished me as 90 to 120 days late during this period. Reporting derogatories while a borrower is in a documented trial plan is a violation of FCRA section 623 ( a ) ( 1 ) ( A ) because it is knowingly inaccurate. 

In XX/XX/XXXX I entered a second loan modification agreement that again cured arrears and reinstated my loan. After this modification, XXXX  showed my account as OK beginning XX/XX/XXXX while XXXX  and XXXX  continued to show derogatory history. This conflicting reporting across bureaus is itself evidence of inaccurate furnishing. 

The only time I was actually delinquent was XX/XX/XXXX and XX/XX/XXXX when I missed two payments due to a XXXX XXXX XXXX. Rockets reporting of me as XXXX  days late at the time of transfer in XX/XX/XXXX was accurate for those XXXX months only. 

After XX/XX/XXXX XXXX no longer serviced my loan. However, derogatory reporting continues on my credit reports beyond that date. Furnishing delinquencies after the servicing transfer is inaccurate under the Fair Credit Reporting Act because XXXX had no servicing relationship. 

Rockets credit reporting creates a false delinquency history spanning years when in fact I was only behind for XXXX months. I am requesting that Rocket be required to correct all CARES Act accommodation periods to show current with proper XXXX XXXX coding, reset the tradeline to current following the XX/XX/XXXX and XX/XX/XXXX loan modification agreements, remove all derogatories during trial and workout plan compliance periods, report only 60 days late for XX/XX/XXXX and XX/XX/XXXX, and close the tradeline as of XX/XX/XXXX, the date of servicing transfer. 

These violations of the XXXX XXXX, the FCRA, and XXXX XXXX standards have severely harmed my creditworthiness by fabricating a false picture of chronic delinquency. The attached credit reports and modification and forbearance documents provide clear proof of XXXX misreporting.

Company response to consumer: Closed with explanation