Mortgage -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4792692
Complaint Overview
Complaint ID: 4792692
Company: Midfirst Bank
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 75093
Date Received: 2021-10-08T12:00:00-05:00
Date Sent to Company: 2021-10-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In a retaliatory response to my request to remove incorrect information that indicated I was using a covid19 assistance program Midland deleted 15 years of mortgage history from all 3 credit bureaus. Which immediately dropped all my scores 20+ points and is a significant part of a strong credit mix and history that is now deleted. This was transferred to them from XXXX years ago and nobody asked to change anything that XXXX submitted to them. This is simply requesting that my payment history be reinstated
Frequently Asked Questions
What is Complaint #4792692 about?
Complaint #4792692 was filed against Midfirst Bank regarding Mortgage specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-10-08T12:00:00-05:00.
How did Midfirst Bank 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 (Mortgage) and describe your issue in detail.
Can I see other complaints against Midfirst Bank?
Yes, visit the Midfirst Bank company profile at readthecomplaint.com/company/midfirst-bank 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.