Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Dovenmuehle Mortgage, Inc.
State: AR

Complaint narrative:
Previous CFPB complaint was closed without reaching a resolution. The servicers response to my initial CFPB complaint contains a false statement. They claim Fannie Mae did not ask them to correct the credit reporting. That is not true. Fannie Mae XXXX XXXX XXXX was opened specifically about this loan. The credit corrections the servicer lists in their response all followed Fannie Mae regulatory contact. A servicer does not make bureau corrections because nothing was asked of them. The XX/XX/XXXX delinquency is still on my credit file. That is the entry that destroyed my XXXX XXXX and triggered every downstream harm in this case. The servicers own response letter confirms the delinquency was not removed, while surrounding it with unrelated actions that create the appearance of compliance without achieving correction. This delinquency should never have existed. Following XXXX Disaster Declaration XXXX ( XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX, Fannie Mae XXXX Guide XXXX ( effective XX/XX/XXXX ) requires that servicers must suspend credit bureau reporting of delinquencies for borrowers on active disaster-related forbearance plans. The same guide, at XXXX, requires servicers to evaluate and assist borrowers affected by disaster events and explicitly permits servicers to grant disaster relief even without borrower contact. The spirit and purpose of these provisions is to protect disaster-affected borrowers from credit damage caused by circumstances beyond their control. The servicer had both the obligation and the authority to apply forbearance from the date of the disaster and suspend all delinquency reporting. They did neither proactively. When forbearance was finally applied, they recorded XX/XX/XXXX as a missed payment without disclosing this to me, then reported that manufactured delinquency to all four credit bureaus for XXXX consecutive months. Every correction they made was cosmetic. The XXXX correction that would actually fix the damage has not been made. My current credit reports show multiple errors across XXXX bureaus, and certainly the XXXX repository which, mysteriously has no consumer visibility. I faxed a Qualified Written Request to the servicer today demanding the complete credit reporting history from XXXX to present across all XXXX bureaus including XXXX. Fax ID XXXX, delivered XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. I also filed a supplemental complaint with XXXX File XXXX today documenting the false statement in this response. I am asking the CFPB to review the accuracy of the servicers response before treating this case as resolved. Ultimately, the credit reporting corrections necessary to qualify as Fair Credit Reporting, should be applied completely, and documented thoroughly by the servicer who has anchored the damage across two years to cultivate my disadvantage. The delays and performative changes to my credit reports, absent meaningful corrections, is being documented as another manufactured barrier accumulated to prevent the fairness and accountability expected from good faith mortgage industry leaders.

Company response to consumer: Closed with explanation