Consumer complaint received 2025-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
Dear AmeriHome Mortgage Servicing Team, This letter serves as a formal dispute and notice of inaccuracy under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the mortgage account referenced above.

The Inaccuracy : Your company has furnished information to the credit reporting agencies ( CRAs ) reporting this account as delinquent for the period of XX/XX/year> through XX/XX/year>. 

The Material Facts and Legal Basis for Correction : The reported delinquency is factually inaccurate and constitutes a violation of federal law due to the following material facts and obligations : A. Pending Loss Mitigation/Assistance Request : During the precise delinquency period reported ( XX/XX/year> XX/XX/year> ), I formally engaged with AmeriHome Mortgage to request and pursue loss mitigation/assistance. Critically, I was explicitly guaranteed by your representatives that no negative credit reporting would occur while my assistance application was pending or active.

B. Unresolved Forbearance and Servicing Transfer : Adding to the inaccuracy, I had previously applied for a National Disaster Forbearance which was approved. The necessary paperwork was returned to the then-servicer, XXXX. The servicing of this loan was subsequently transferred back to AmeriHome Mortgage, but I have not received any official notification or response from AmeriHome confirming the status or continuation of that approved disaster forbearance, which should have prevented delinquency reporting. This lack of resolution and accurate status update further indicates a failure in record continuity and accurate furnishing.

C. Federal Law Violations : FCRA Duty to Report Accurately ( 15 U.S.C. 1681s-2 ( a ) ) : AmeriHome, as a furnisher of credit information, has a duty not to furnish any information relating to a consumer that the furnisher knows or has reason to know is inaccurate. Reporting a status of " delinquent '' while the borrower is operating under a guaranteed non-reporting status and a potentially approved forbearance renders the delinquency status misleading and inaccurate based on the direct servicing relationship and available internal records.

FCRA Duty to Investigate ( 15 U.S.C. 1681s-2 ( b ) ) : Upon receipt of this dispute, AmeriHome is required to conduct a reasonable investigation into the disputed information. An investigation that ignores the contemporaneous, internal records confirming my application for assistance, the non-reporting guarantee, and the transfer of the approved forbearance from the previous servicer will fail the " reasonableness '' standard required by the FCRA.

Regulation X Compliance ( 12 CFR 1024.41 ) : The negative reporting during this assistance period undermines the intent of the CFPB 's loss mitigation rules, which are designed to protect borrowers from adverse actions ( including credit harm ) while they are actively seeking foreclosure alternatives. The report of " delinquent '' is inconsistent with the non-reporting protection I received as part of this federally regulated process.

Demand for Corrective Action : I demand that AmeriHome Mortgage immediately investigate this discrepancy and correct the reporting for the entire period of XX/XX/year> to XX/XX/year>. The account status for these months must be updated to reflect Account Not Being Reported ( NB status ) to all three major credit bureaus ( XXXX, XXXX, and XXXX  ). 

Please provide written confirmation within 30 days that this dispute has been fully investigated and that the necessary corrections have been made.

I expect full cooperation in resolving this matter promptly and accurately. Failure to correct this demonstrably inaccurate reporting, despite this formal notice, will be viewed as a willful violation of the Fair Credit Reporting Act and will lead to legal action and formal complaints with the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with explanation