Ditech Financial LLC Mortgage Complaint

Ditech Financial LLC Mortgage department,

Conventional adjustable mortgage (ARM) Loan servicing, payments, escrow account Illinois

I found a derogatory account from Ditech on my - credit reports from -, -, and -. The account does not belong to me and I have never had any accounts with Ditech. I called the company on multiple occasions during - 2016 to asked about the reporting details of the account. I provided my full name, social security number, birth date, and current address to multiple representatives and supervisors. They all claimed that they could not provide me with details of the account if I could not provide them with the address of the derogatory entry. I replied that there was no address reported on the credit report entries. I informed them that I had provided enough identifying information for them to confirm my identity and tell me the current status, history and balance details of the alleged debt. They all still refused to give me details and it went so far as to have a representative, -, on - -, 2016, tell me that it was against the law for her to give me details of the address and balance of the alleged mortgage account. I asked her to cite the specific law to which she was referring


to be in 'writing. ' I replied that this was not accurate and that my verbal dispute with Ditech was sufficient. I asked her to cite the section of FCRA that required disputes in writing and again she could not do so. I then spoke with her supervisor, -, and disputed ownership of the account and also indicated the contradictory reporting of the account between the different credit bureaus. She said that I would have to file an 'identity theft ' report with the police to have the account delete. I replied that I was not sure if identity theft had occurred, only that Ditech was erroneously reporting the account and that I was contesting its accuracy and asking o have it removed in accordance with FCRA and Ditech 's inability to verify it, along with their misreporting. The account shows a - mortgage that was foreclosed on, but is currently in collection and has an outstanding balance of $81000.00. This is contradictory. How could a balance be outstanding and charged off on a property that was foreclosed on. This is allegedly a - mortgage, so no balance would be outstanding post foreclosure. Nevertheless, she insisted I would have to file an identity theft report. I replied that I would not and that Ditech must removed this inaccurate entry or I would file suit in small claims court for violations of FCRA. - replied that I would need to proceed along these lines.