Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Consumer Financial Protection Bureau Via CFPB Consumer Complaint XXXX RE : XXXX XXXX XXXX XXXX Rocket Mortgage XXXX Loan Number : XXXX | Property : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I, XXXX XXXX, hereby submit this formal rebuttal to Rocket Mortgage LLC 's response to my CFPB complaint. Rocket Mortgage 's response was circular, non- responsive to the specific violations identified, and failed to produce a single document proving their legal authority to service this loan, report this account to credit bureaus, or issue federal tax documents on its behalf. The following points establish, with documented evidence, that Rocket Mortgage has committed multiple violations of federal law. I. ESTABLISHED FACTS AND SERVICING CHAIN The complete servicing history of mortgage loan account XXXX, originated XX/XX/XXXX, is as follows : XXXX. XX/XX/XXXX XXXX originated with XXXX XXXX XXXX XXXX XXXX creditor ) XXXX. Subsequently transferred to XXXX Mortgage XXXX. Subsequently transferred to Mr. Cooper ( formerly XXXX ) XXXX. Subsequently transferred to XXXX Mortgage ( confirmed as servicer/owner on TransUnion credit report XXXX XXXX XXXX ) XXXX. XX/XX/XXXX Rocket Mortgage LLC begins billing as servicer with no prior notice provided to borrower At no point across any of these XXXX servicer transitions did I receive proper advance notice as required under 12 U.S.C. 2605 ( b ) - ( c ). Rocket Mortgage has not produced evidence that any such notice was ever sent or received. XXXX. SPECIFIC VIOLATIONS Violation XXXX RESPA Servicing Transfer Notice Failures ( 12 U.S.C. 2605 ) Federal law requires that both the transferring servicer and the new servicer provide written notice to the borrower of any servicing transfer 15 days before the effective date from the old servicer, and 15 days after from the new servicer. This requirement applied to every XXXX of the XXXX transfers in the chain above. I received no such notices. Rocket Mortgage 's response did not produce any evidence of compliance with this requirement for their XX/XX/XXXX assumption of servicing. Violation XXXX FCRA XXXX XXXX XXXX ( 15 U.S.C. 1681s-2 ) My Experian credit report shows Rocket Mortgage XXXX XXXX XXXX history dating back to XXXX XXXX years before XXXX began servicing this loan in XX/XX/XXXX. This is factually inaccurate. XXXX did not service this loan in XXXX, XXXX, XXXX, XXXX, or XXXX. XXXX Mortgage is confirmed as the servicer during at least the XXXX period per my TransUnion credit report. Rocket is misappropriating payment history belonging to other servicers and reporting it under their own tradeline. This constitutes furnishing inaccurate information to a consumer reporting agency in violation of the Fair Credit Reporting Act. Violation XXXX Inconsistent and XXXX Credit Bureau XXXX XXXX All Three Bureaus My credit reports across all three major bureaus tell XXXX materially different and irreconcilable stories about the same loan at the same point in time. This is not a minor discrepancy it is evidence of systemic inaccurate furnishing by multiple servicers : EQUIFAX ( as of XX/XX/XXXX ) Shows XXXX XXXX XXXX ' XXXX OPEN with a balance of {$240000.00}, last updated XX/XX/XXXX, status 'Pays account as agreed. ' Equifax was still reporting XXXX as XXXX active, open servicer as recently as late XXXX XXXX. TRANSUNION ( XXXX ) Shows XXXX Mortgage as the servicer and owner of the loan during the same XXXX period, a completely different entity from what Equifax was reporting. EXPERIAN Shows XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX with the notation 'Purchased by another lender, ' then jumps directly to Rocket Mortgage LLC XXXX XXXX XXXX for XXXX, Mr. Cooper, or XXXX Mortgage appearing XXXX all. XXXX bureaus. XXXX different servicers. XXXX different stories. Simultaneously. This is direct, documented evidence that the servicers in this chain including Rocket Mortgage have been furnishing inaccurate, incomplete, and conflicting information to consumer reporting agencies in violation of 15 U.S.C. 1681s-2. The harm to my credit profile from this multi-bureau inconsistency is ongoing and unresolved. Rocket Mortgage, as the current furnisher of record, bears responsibility for ensuring the complete and accurate reporting of this account across all three bureaus which they have failed to do. Violation XXXX XXXX XXXX XXXX XXXX XXXX IRS Form XXXX ) Rocket Mortgage issued me IRS Form XXXX for tax year XXXX, reporting {$10000.00} in mortgage interest paid and claiming a mortgage origination date of XX/XX/XXXX. This document was issued under my Social Security XXXX and constitutes a federal tax representation. Rocket did not service this loan for the full year XXXX they began in XX/XX/XXXX. Their Form XXXX must account for only the period they actually serviced the loan, coordinated with XXXX Mortgage 's reporting for the preceding months. Failure to properly coordinate this reporting XXXX constitute an IRS reporting violation in addition to the CFPB matters at hand. Violation XXXX Failure to Respond to Request for Information ( 12 C.F.R. 1024.36 ) I submitted a formal Request for Information under RESPA 's implementing regulation, Regulation X, requesting : ( XXXX ) the identity of the current owner or assignee of the loan ; ( XXXX ) the date Rocket began servicing the loan ; ( XXXX ) a copy of any RESPA transfer notice sent to me ; and ( XXXX ) the identity of the original creditor. Rocket 's responses were non- responsive and circular, providing only billing statements and investigation summaries rather than the specific documentation required by federal regulation. XXXX. DOCUMENTARY EVIDENCE The following exhibits support this rebuttal and are incorporated herein : Exhibit A Experian credit report screenshot showing Rocket Mortgage XXXX tradeline with payment history dating to XXXX Exhibit B Experian credit report XXXX showing XXXX FED SVNG/NATIONST tradeline, closed XX/XX/XXXX, notation 'Purchased by another lender ' Exhibit C TransUnion credit report XXXX of XXXX Mortgage as XXXX XXXX XXXX Exhibit D IRS Form XXXX XXXX XXXX Rocket Mortgage for tax year XXXX XXXX reflecting origination date of XX/XX/XXXX Exhibit XXXX Any prior correspondence and responses exchanged with Rocket Mortgage regarding this dispute Exhibit F Equifax credit report ( as XXXX XX/XX/XXXX ) showing XXXX XXXX as OPEN with XXXX of {$240000.00}, last updated XX/XX/XXXX confirming all three bureaus reported XXXX different servicers simultaneously for the same loan account IV. DEMANDS Based on the foregoing, I respectfully demand that the CFPB require Rocket Mortgage XXXX to : XXXX. Produce the complete and unbroken chain of servicing transfers from XXXX XXXX XXXX through XXXX, Mr. Cooper, XXXX Mortgage, and finally to Rocket Mortgage, with all dates and documentation XXXX. Produce evidence that proper RESPA servicing transfer notices were sent to me at each transfer, including Rocket 's XX/XX/XXXX assumption of servicing XXXX. Immediately correct the inaccurate credit reporting on Experian to reflect only the period Rocket Mortgage actually serviced this loan, beginning XX/XX/XXXX XXXX. Coordinate with XXXX Mortgage and the relevant credit bureaus to ensure all servicer tradelines are accurately and completely reported across Experian, TransUnion, and Equifax XXXX the corrected IRS Form XXXX accounting for only the period of actual servicing, coordinated with XXXX XXXX XXXX XXXXXXXX obligations for tax year XXXX XXXX a full accounting of all payments received, applied, and disbursed since XX/XX/XXXX when Rocket assumed servicing V. CONCLUSION Rocket Mortgage XXXX has XXXX XXXX XXXX of non-responsive behavior, inaccurate credit reporting, and failure to comply with federal servicing transfer requirements. Their response to my initial complaint did not address a single specific legal violation identified. I am a borrower who has never been late on this account across the entire servicing history. My dispute is not with the existence of the loan it is with Rocket Mortgage 's failure to establish lawful authority to service it, report it, and issue federal tax documents on its behalf, and their continued refusal to produce the documentation required by federal law. I respectfully request that the CFPB compel Rocket Mortgage to provide full, documented, specific responses to each demand listed above, and that this complaint be escalated for supervisory review given the pattern of non-compliance demonstrated. Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation