Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4435835

Complaint Overview

Complaint ID: 4435835

Company: Rushmore Loan Management Services LLC

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Sub-Issue: Account status incorrect

State: Florida

ZIP Code: 330XX

Date Received: 2021-06-06T12:00:00-05:00

Date Sent to Company: 2021-06-06T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Rushmore Loan Management Services LLC reported me more than 30 days delinquent when I was in COVID related forbearance several months ago. I have tried for months to resolve this with them. I submitted copies of the credit report, as they keep saying they need that to do further review. Finally a customer service representative did a full review of everything in my file, and sent the letter showing my forbearance to the credit dispute division. Then I received an electronic copy of a letter in my Rushmore login on XX/XX/XXXX saying a correction was sent to the credit reporting bureaus and to allow 30-45 days for correction to go through on my credit report. I got an alert on XX/XX/XXXX from one of the credit reports I monitor, saying there was a change to my credit sector. I logged in, and it said on XX/XX/XXXX my account with Rushmore was updated to current. However the 30 days delinquent mark is still there in the report. It needs to be removed, as it was clearly a mistake and Rushmore has admitted this. But my thinking is they did not make it clear to the credit bureaus that they made a mistake, they would rather just imply that I paid up and am now current instead of admitting that they falsely reported me delinquent and made me suffer all these months to convince them to correct it. Rushmore Loan Management Services needs to contact the credit reporting bureaus and tell them to REMOVE COMPLETELY the 30 days delinquent mark on my credit report, because it never happened. It was a mistake on their part, I was in forbearance at the time, and needs to be deleted off my credit reporting record in order for my score to improve to what it was before they made this horrible mistake. Its not fair or right to tell the credit reporting bureaus that I paid off the 30 days delinquent and am now current, instead of telling them the truth which I was never delinquent at all. That 30 days delinquent charge is still on my credit report for anyone to see, and it will prevent me from getting a car loan, a credit card, etc for the long term foreseeable future until they do what is right and tell the credit bureaus the truth. Attached is the proof of my payment history with Rushmore, including the letter of forbearance for the period in question on my credit report. Plus copies of the negative report still on my credit as of this week, and the new verbiage which states I am now paid as agreed, instead of stating the truth which is that I was never delinquent at all. This negative mark needs to be deleted entirely off my credit repertoire, which the credit bureaus will never do unless Rushmore is upfront and direct with them that they made a mistake.

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