Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
This email supplements my pending complaint # XXXX concerning mail routing fraud, improper servicing, and foreclosure irregularities related to the property at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Alabama. 

Key Points Included : - Misrouting of Mail and Jurisdictional Errors : Evidence that XXXX routing has incorrectly assigned our property to XXXX XXXX instead of XXXX, causing service failures. 

- Credit Reporting Cessation : Documentation showing that Equifax stopped reporting in XX/XX/year>, Experian and TransUnion stopped in XX/XX/year>, with no further updates, indicating a pattern of data suppression. 

- Improper Foreclosure Actions : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) pursued foreclosure despite a federal case dismissal without prejudice and failed to serve properly. 

- Evidence of XXXX and XXXX : XXXX that the loan was securitized multiple times, with overlapping claims by various entities. 

- Local Administrative and Postal Evidence : Screenshots and records showing the XXXX XXXX XXXX is a distinct, small municipality and not the correct jurisdiction for our property, with postal routing errors confirmed by the XXXX XXXX. 


Attachments : - Corrected Warranty Deed and Original Deed - Photo of Unauthorized Postal Routing Hub - Quiet Title Filing and Lis Pendens Notice - XXXX XXXX Complaint Reference - Credit Bureau XXXX XXXX XXXX XXXX - Evidence of Foreclosure Ad Discrepancies and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXisconduct Exhibit A Improper Postal Routing Location Photographic record of the non-designated postal hub through which official mail for the XXXX XXXX XXXX XXXX XXXX has been unlawfully or mistakenly routed. 

This building is not the authorized covenant mail location for the XXXX. 
Routing through this site has resulted in misaddressed service, undelivered federal correspondence, and jurisdictional confusion. 

Verified Covenant Location : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Alabama ( confirmed by XXXX XXXX ) Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX record of abrupt cessation of credit reporting activity across all three major bureaus. 

XXXX  : last reported XX/XX/year> file coded 180 days past due. No updates or activity reported for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX last reported XX/XX/year> no further activity or data entries after that date. 

Each bureau ceased reporting simultaneously during the active foreclosure dispute and without written notice or lawful explanation. This pattern indicates intentional suspension of reporting while the account remains under dispute and subject to quiet-title proceedings. 

This record is preserved in the XXXX XXXX as proof of : XXXX. Data manipulation and interference with fair credit reporting obligations ; XXXX. Evidence of continuing harm caused by unlawful foreclosure actions ; and XXXX. Confirmation that no valid lender or servicer has provided current updates to the credit repositories since XXXX. 


Recorded by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Trust Authorship Non-Statutory Record Please review the attached exhibits and let me know if any further documentation is required. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation