Mortgage -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6064471
Complaint Overview
Complaint ID: 6064471
Company: Roundpoint Mortgage Servicing LLC
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: Missouri
ZIP Code: 63130
Date Received: 2022-10-08T12:00:00-05:00
Date Sent to Company: 2022-10-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I sent a debt validation letter to ROUNDPOINT MTG XX/XX/2022 asking to provide me with proof that I own this debt, and they have failed to respond. I then looked at my credit report and noticed that they are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. I would appreciate it much if you remove the account I will be listing below
Frequently Asked Questions
What is Complaint #6064471 about?
Complaint #6064471 was filed against Roundpoint Mortgage Servicing LLC regarding Mortgage specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-10-08T12:00:00-05:00.
How did Roundpoint Mortgage Servicing 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 (Mortgage) and describe your issue in detail.
Can I see other complaints against Roundpoint Mortgage Servicing LLC?
Yes, visit the Roundpoint Mortgage Servicing LLC company profile at readthecomplaint.com/company/roundpoint-mortgage-servicing-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.