Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #7563203
Complaint Overview
Complaint ID: 7563203
Company: Community Loan Servicing, LLC (Formerly Known As Bayview Loan Servicing, LLC)
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Delaware
ZIP Code: 19977
Date Received: 2023-09-17T12:00:00-05:00
Date Sent to Company: 2023-09-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I Had To Send 3 letters to this company because they have different information on all my credit reports! Furthermore I was never late. XXXX XXXX Report : XXXX Date : XX/XX/XXXX XX/XX/XXXX COMMUNITY LOAN SERVICI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some transactions posted on my credit report that are excluded by federal laws from my consumer reports : COMMUNITY LOAN SERVICI, Your company is in violation of the FCRA and XXXX Compliance for reporting these transactions. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On the dates of XX/XX/XXXX and XX/XX/XXXX, you reported transactions from Acct # : XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report should not be included in consumer reports. Yet, you are reporting this information to my consumer reports. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of XXXX compliance. I request that you provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX deleted from my consumer reports effective immediately. Please note that I am not requesting validation or verification, so do not respond with such requests. Furthermore, 15 USC 1666b ( a ) states : ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I insist that the above transactions be promptly deleted from my consumer reports. Best regards, XXXX XXXX Enclosed : Copy of ID and Utility Bill showing proof of address XXXX XXXX Report : XXXX Date : XX/XX/XXXX XX/XX/XXXX COMMUNITY LOAN SERVICI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some transactions posted on my credit report that are excluded by federal laws from my consumer reports : COMMUNITY LOAN SERVICI, Your company is in violation of the FCRA and XXXX Compliance for reporting these transactions. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On the dates of XX/XX/XXXX and XX/XX/XXXX, you reported transactions from Acct # : XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report should not be included in consumer reports. Yet, you are reporting this information to my consumer reports. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of XXXX compliance. I request that you provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX deleted from my consumer reports effective immediately. Please note that I am not requesting validation or verification, so do not respond with such requests. Furthermore, 15 USC 1666b ( a ) states : ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I insist that the above transactions be promptly deleted from my consumer reports. Best regards, XXXX XXXX Enclosed : Copy of ID and Utility Bill showing proof of address XXXX XXXX Report : XXXX XX/XX/XXXX COMMUNITY LOAN SERVICI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some transactions posted on my credit report that are excluded by federal laws from my consumer reports : COMMUNITY LOAN SERVICI, Your company is in violation of the FCRA and XXXX Compliance for reporting these transactions. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On the dates of XX/XX/XXXX, you reported transactions from Acct # : XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report should not be included in consumer reports. Yet, you are reporting this information to my consumer reports. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of XXXX compliance. I request that you provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on XX/XX/XXXX deleted from my consumer reports effective immediately. Please note that I am not requesting validation or verification, so do not respond with such requests. Furthermore, 15 USC 1666b ( a ) states : ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I insist that the above transactions be promptly deleted from my consumer reports. Best regards, XXXX XXXX Enclosed : Copy of ID and Utility Bill showing proof of address
Frequently Asked Questions
What is Complaint #7563203 about?
Complaint #7563203 was filed against Community Loan Servicing, LLC (Formerly Known As Bayview Loan Servicing, LLC) regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-09-17T12:00:00-05:00.
How did Community Loan Servicing, LLC (Formerly Known As Bayview Loan 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 (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Community Loan Servicing, LLC (Formerly Known As Bayview Loan Servicing, LLC)?
Yes, visit the Community Loan Servicing, LLC (Formerly Known As Bayview Loan Servicing, LLC) company profile at readthecomplaint.com/company/community-loan-servicing-llc-formerly-known-as-bayview-loan-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.