Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11475000
Complaint Overview
Complaint ID: 11475000
Company: Carrington Mortgage Services, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 92025
Date Received: 2025-01-10T12:00:00-05:00
Date Sent to Company: 2025-01-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
What Happened : XXXX. Carrington Mortgage Services Reporting Error : In XX/XX/XXXX, I attempted to modify my autopay settings to ensure timely payment, but Carringtons mobile app misrepresented the status of my payment as successful. This was incorrect due to insufficient funds, and I was not notified of the failed transaction until weeks later. Upon discovering the issue, I immediately made a manual payment on XX/XX/XXXX, covering the missed XXXX payment and bringing my account current. Despite this, Carrington reported my XXXX payment as 30+ days late to the credit bureaus. I provided evidence, including app screenshots showing the misleading payment confirmation, communication records, and proof of my immediate corrective actions. Carrington has repeatedly refused to acknowledge the apps technical failures or correct the reporting. XXXX Credit Bureaus Failure to Investigate : I submitted disputes to XXXX XXXX XXXX XXXX and XXXX XXXX However, none of the bureaus conducted thorough investigations, as they simply deferred to Carringtons inadequate responses. Despite the detailed evidence provided, all three bureaus returned the same unsatisfactory results, with no changes to my credit report. Why This is an Issue : This late payment report is inaccurate and has negatively impacted my credit score and financial standing. The failure of Carrington to address the issue and the lack of proper investigation by the credit bureaus have compounded the harm caused by this error. My Actions : I have submitted disputes to Carrington and all three credit bureaus and provided substantial evidence, including screenshots and communication records, to support my claim. Carrington has dismissed my concerns, and the credit bureaus have failed to properly investigate the matter.
Frequently Asked Questions
What is Complaint #11475000 about?
Complaint #11475000 was filed against Carrington Mortgage Services, LLC regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-01-10T12:00:00-05:00.
How did Carrington Mortgage Services, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Carrington Mortgage Services, LLC?
Yes, visit the Carrington Mortgage Services, LLC company profile at readthecomplaint.com/company/carrington-mortgage-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.