Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: LA

Complaint narrative:
Dear Sir or Madam : I am writing to you to complain about the accounting and servicing of this mortgage and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date [ corresponding laws in chronological order : US Constitution ( XXXX  ) ; Bill of Rights ( XXXX  ) ; UCC ( XXXX  ) ; TILA ( XXXX  ) ; FCRA ( XXXX ) ; RESPA ( XXXX  ) ; FDCPA ( XXXX  ) ; HOEPA, Pub. L. 103-325 ( XXXX  ) ; 12 CFR 1024.35 ( error resolution ) ; 15 U.S.C. 1641 ( f ) ( owner identification under TILA ) ]. To date, the documents and information I have, that you have sent me, and the conversations with your service representatives have been unproductive and have not answered my questions [ corresponding laws in chronological order : RESPA ( XXXX  ) ; FDCPA ( XXXX  ) ; 12 CFR 1024.36 ( information requests ) ]. Needless to say, I am very concerned. With all the news lately regarding the stories of predatory lending an also the case brought forth against Vanderbilt by the
CFPB. The CFPB alleges that Vanderbilt violated the Truth in Lending Act and Regulation Z. Back to what I was saying with the stories of predatory lending, you have left me with a feeling there is something you are trying to hide. I worry that potential fraudulent and deceptive practices by unscrupulous mortgage brokers ; sales and transfers of mortgage servicing rights ; deceptive and fraudulent servicing practices to enhance balance sheets ; deceptive, abusive and fraudulent accounting tricks and practices may have also negatively affected any credit rating, mortgage account and/or debt payments that I am currently, Or may be legally obligated to [ TILA ( XXXX  ) ; FCRA ( XXXX  ) ; FDCPA ( XXXX  ) ; HOEPA ( XXXX  ) ; 15 USC 1681s-2 ( FCRA duties of furnishers ) ].

I hereby demand absolute 1st hand evidence from you and the original uncertificated or certificated security regarding account # XXXX. In the event you do not supply me with the very security it will be positive confirmation on your part that you never really created and owned one [ TILA 91968 ) ; RESPA ( XXXX ) ; 15 USC 1641 ( f ) ( TILA owner disclosure ) ].

I also hereby demand that a chain of transfer from you to wherever the security is now be promptly sent to me as well. Absent the actual evidence of the security I have no choice but to dispute the validity of your lawful ownership, funding, entitlement right, and the current debt you say I owe. By debt I am referring to the principal balance you claim I owe ; the calculated monthly payment, calculated escrow payment and any fees claimed to be owed by you and/or any trust or entity you may service or sub-service for Persua
nt to FASB ASC 405-20-40-1, provide evidence that the original liability has not been extinguished if either : ( a ) the debtor pays the creditor and is relieved of its obligation for the liability, or ( b ) the debtor is legally released from being primary obligor under the liability and owned [ UCC ( 1952 , Article 3 for negotiable instruments, 3-309 enforcement of lost instruments ) ; TILA ( 1968 ) ; RESPA ( 1974 ) ; 15 USC 1641 ( f ) ( TILA owner disclosure ) ].

Company response to consumer: Closed with explanation