Complaint #1497535 submitted on 07/31/2015 relating to Innovis. Complaint relates to Credit reporting - Incorrect information on credit report Account status.
Complaint was submitted via Web and sent to the company on Friday 31st July 2015.
We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. XXXX the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at he time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the XXXX XXXX XXXX. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster XXXX program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.
| Company | Innovis |
| Complaint ID | 1497535 |
| Date Received | 07/31/2015 |
| Product | Credit reporting |
| Issue | Incorrect information on credit report Account status |
| State/ZIP Code | NY 125XX |
| Consumer Consent | Consent provided |
| Company Public Response | |
| Company Response To Customer | Closed with explanation |
| Submitted | Web 07/31/2015 |
| Result | Timely Response: Yes, Consumer Disputed: No |
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