Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
A creditor that fails to comply with the requirements outlined in the Fair Credit Billing Act forfeits any right to collect from the obligor. This is not a refusal to pay but a notice that this alleged debt has been under dispute since XX/XX/2022 when I sent a Good Faith Discovery Notice : Verification of Proof of Claim Requested letter received usps certified mail with return receipt, in return I got a letter with copies of the note which is violating the Truth in Lending Act pursuant to 15 USC 1601-1667j. I stated Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. This is still not resolved to this day but the alleged creditor is reporting now to my credit. By law, all collection activities must cease until this matter is resolved. This alleged creditor is blatantly disregarding this law and is now under administrative default and is subject to fines by the FTC. I sent another letter XX/XX/2022, request for admissions in which I received the same copies of everything. Pennymac then filed a fraudulent assignment of mortgage with the county the property resides in XX/XX/2022 while this dispute is still open. A copy of the security instrument is not a sufficient proof of claim as per U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ). Under this code, I am entitled to have the instrument presented to me as you are required to upkeep the legal document entrusted to you in which you denied me to see unless I traveled across country to California when I live in Florida. You are furnishing fraudulent paperwork, you do not have the note! The deed of trust is NULL AND VOILDED FOR FRAUD. XXXX does not own this property, Pennymac does not own this property, I do and I have and always have held security interest in this property backed by my UCC1 financing statement filed in XXXX XXXX XXXX  placing a lien on the property for {$300000.00}. Pennymac loans is violating federal laws by knowingly furnishing false credit information and under USC Title 18 Chapter 25, you are engaging in counterfeiting and such behavior is a felony. Providing a photocopy of a security instrument is not only unconscionable but is illegal.. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v. Union of India. XXXX Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institutions policy. Your companys policy does not supersede federal law. In accordance with the fair credit reporting act Pennymac Loan Services Account XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681a Definitions ; rules of construction- Exclusions- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 UCS 1666B : A creditor may not treat a payment on credit card account under an open-end consumer credit plan as late for purpose. I am demanding that all late payments and the entire account is UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm. I am also demanding compensation for these fraudulent and berating acts against me and my character or my next step is legal action. I am keeping a careful record of all correspondence or lack thereof made via mail, and other means of communication. Your response must be provided within the allotted threshold for this communication. You may only contact me via mail.

Company response to consumer: Closed with explanation