Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
I am filing a complaint against AmeriHome Mortgage for : 1 ) Failure to process a Government Shutdown Forbearance request 2 ) Misrepresentation of the forbearance terms 3 ) Inaccurate credit reporting 4 ) Financial harm resulting in a XXXXpoint credit score drop 5 ) Failure to correct an admitted servicing error On XX/XX/year>, I was XXXX due to the federal government shutdown. On XX/XX/year>, I called AmeriHomes  Government Shutdown Assistance Line at ( XXXX ) XXXX to request assistance. During this call, the representative informed me that I qualified for a 3-month forbearance and explicitly stated that : 1 ) The forbearance would not negatively impact my credit. 
2 ) I should stop my autopayment for the XX/XX/year> payment. 
3 ) I should contact my bank to place a stop payment on any future drafts. 

I relied on these instructions and followed the instructions of the representative. 

In XXXX, I saw that my credit score had dropped approximately XXXX points. Upon reviewing my credit report, I discovered that AmeriHome Mortgage had reported my XX/XX/year> payment as delinquent. 

On XX/XX/year>, I contacted AmeriHome again. I was then informed that : 1 ) My account was never placed into forbearance, 2 ) The representative I spoke with in XXXX failed to process the request, and 3 ) The delinquency was the result of an internal administrative error. 

I was also informed that the information I received from the XX/XX/XXXX representative was incorrect. 

This was a significant mistake made solely by AmeriHome Mortgage. Because of this error, I was financially harmed, suffered a major credit scorXXXX drop, and now have derogatory information on my credit report that should never have been reported. 

AmeriHome has acknowledged fault and stated they intend to mitigate the error, but the incorrect delinquency remains on my credit reports, and no formal correction has been made. 

I am requesting that AmeriHome Mortgage : 1 ) Remove the XX/XX/year> and XX/XX/year> delinquencies from all credit bureaus. 
2 ) Update my account status to Current across all credit files. 
3 ) Provide written confirmation that the errors have been corrected. 
4 ) Review internal servicing procedures, including : - Training of Government Shutdown Assistance Line staff, - Proper processing of hardship and forbearance requests, and - Accuracy of information provided to borrowers experiencing financial hardship. 

This error occurred through no fault of my own. AmeriHome : 1 ) Gave me inaccurate instructions, 2 ) Failed to process a forbearance request they initiated, 3 ) Advised actions that directly contributed to a false delinquency, and 4 ) Reported the delinquency despite their own admitted mistake. 

This has caused significant emotional and financial harm, including loss of credit points, potential future interest penalties, and unnecessary stress during a federal furlough. 
I am requesting the CFPBs assistance in ensuring AmeriHome promptly corrects this issue and accurately updates all credit reporting.

Company response to consumer: Closed with explanation