Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18321901
Complaint Overview
Complaint ID: 18321901
Company: Shellpoint Partners, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Virginia
ZIP Code: 201XX
Date Received: 2025-12-27T12:00:00-05:00
Date Sent to Company: 2025-12-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
o Whom It May Concern, I am writing to formally dispute inaccurate mortgage delinquency reporting related to my property located in XXXX XXXX, Florida. The property was severely damaged by Hurricane Ian ( XXXX ) and later sustained additional damage from Hurricanes Helene and Milton. Each of these storms was a federally declared natural disaster affecting XXXX XXXX, Florida, pursuant to the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 51215207 ) and corresponding FEMA Major Disaster Declarations. As a direct result of these federally declared disasters and their impact on the subject property, my mortgage servicer approved a disaster-related forbearance from XX/XX/XXXX through XX/XX/XXXX, during which mortgage payments were suspended under approved hardship and loss mitigation programs. Despite this approved forbearance, the mortgage company reported the account as delinquent beginning in XX/XX/XXXX. This reporting is inaccurate and misleading, as it fails to reflect the accounts protected status during an active disaster forbearance period. Additionally, in XX/XX/XXXX, I entered into a loss mitigation agreement that includes deeding the property back to the mortgage company, confirming that the loan was being resolved through authorized mitigation channels rather than borrower default. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consumer reporting agencies and furnishers are required to ensure that reported information is accurate and complete. Reporting missed payments during an approved disaster forbearance constitutes inaccurate reporting under 15 U.S.C. 1681s-2. I respectfully request that you conduct a reinvestigation and correct or delete all delinquency, late payment, or nonpayment notations reported during the approved forbearance and loss mitigation period. Enclosed evidence of federally declared disasters impacting this property includes : FEMA Major Disaster Declarations covering XXXX XXXX, Florida for Hurricanes Ian, Helene, and Milton Insurance loss documentation and/or adjuster reports confirming storm-related damage to the property Local, state, or federal disaster assistance correspondence referencing the subject property Mortgage servicer forbearance approval referencing disaster-related hardship Loss mitigation agreement executed in XX/XX/XXXX Please provide written confirmation once your investigation is complete and the inaccurate information has been corrected.
Frequently Asked Questions
What is Complaint #18321901 about?
Complaint #18321901 was filed against Shellpoint Partners, LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-27T12:00:00-05:00.
How did Shellpoint Partners, 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 Shellpoint Partners, LLC?
Yes, visit the Shellpoint Partners, LLC company profile at readthecomplaint.com/company/shellpoint-partners-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.