Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I am filing this complaint against Carrington Mortgage Solutions, LLC ( Carrington ), the servicer of my mortgage loan, for willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2601 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., the DoddFrank Act, 12 U.S.C. 5531, 5536 ( UDAAP provisions ), and the FTC Act, 15 U.S.C. 45. 

Carringtons actions involve inaccurate credit reporting, falsification of property possession records, and deceptive servicing practices, all of which have harmed me and exposed Carrington to enforcement and civil liability.

Factual Background I originated my mortgage with XXXXXXXX XXXX in XX/XX/XXXX. Carrington subsequently took over servicing. 

Despite holding servicing rights since XXXX, Carrington only began reporting tradelines in XX/XX/XXXX, showing partial and misleading data. No full history of payment reporting has been provided. 

In the course of a pending deed in lieu of foreclosure, Carrington falsely stated that the property was secured on XX/XX/XXXX. 

I possess video, audio, timestamped photographs, metadata, and a realtor witness affidavit establishing that Carrington secured the property prior to XX/XX/XXXX. 

Carringtons agents unlawfully unplugged my video surveillance system and internet modem, leaving the property unmonitored and unsecured.

This falsified timeline was designed to shift homeowners insurance liability onto me. XXXX, my insurer, has since backdated cancellation to the true possession date based on the evidence. 

Violations of Federal Law 1. FCRA Inaccurate & Misleading Credit Reporting Carringtons failure to furnish complete payment history since XX/XX/XXXX, and its reporting of partial, selective tradelines, violates FCRA 1681s-2 ( a ) & ( b ). 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Furnishers must ensure accuracy ; parroting incomplete records is unlawful. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Technically true but misleading reports are violations. 

2. RESPA Improper Servicing Conduct Under 12 U.S.C. 2605 ( k ), servicers must act in good faith and provide accurate disclosures. Falsifying possession dates and disabling security systems constitute bad faith servicing.

3. FDCPA False & Deceptive Collection Practices By misrepresenting possession dates to maintain borrower responsibility for insurance, Carrington engaged in false representation of the character and legal status of the debt in violation of FDCPA 1692e ( 2 ) ( A ) & 1692f.

4. DoddFrank Act UDAAP Violations Carringtons conduct is both unfair ( causing unavoidable consumer harm ) and deceptive ( falsifying records, misrepresenting liability ).
12 U.S.C. 5531, 5536. 

5. FTC Act Deceptive Acts in Commerce Carringtons falsification of possession records and incomplete credit reporting constitute unfair and deceptive acts under 15 U.S.C. 45.

Resolution Requested I request that the CFPB compel Carrington Mortgage Solutions to : Immediately delete all tradeline reporting related to this mortgage from all consumer reporting agencies.

Correct and amend its servicing records to reflect the true possession date supported by evidence. 

Cease and desist from any further misrepresentation of insurance liability. 

Provide written assurance that no deficiency balance will be pursued following the deed in lieu, as Carringtons conduct has voided its right to claim further payment.

Submit written confirmation of full compliance within 30 days. 

Notice of Litigation Rights Carrington is liable under : FCRA 1681n, 1681o ( actual, statutory, and punitive damages ).
RESPA 2605 ( f ) ( actual damages, statutory damages for pattern or practice violations ).

FDCPA 1692k ( statutory damages, attorneys fees ).

DoddFrank Act 5531, 5536 ( UDAAP penalties ). 

I reserve all rights to pursue litigation in federal court for fraud, falsification of records, and willful misrepresentation. 

Conclusion Carrington Mortgage Solutions has engaged in a deliberate pattern of misconduct : incomplete and misleading credit reporting, falsified possession records, disabling security systems, and deceptive attempts to shift liability. These actions violate the FCRA, RESPA, FDCPA, UDAAP, and FTC Act. I request immediate CFPB enforcement, deletion of tradelines, and full relief as outlined.

Company response to consumer: Closed with explanation