OCWEN STOPS BLAIMING EQUIFAX AND BLAMES TRANSUNION

Who is telling the truth?  

Case number: 160801-002293

Back

WHAT HAPPENED 

Product Credit reporting 

Issue Incorrect information on credit report: Account status 

Have you disputed the issue with the credit reporting company and received a final response? Yes No

Describe what happened so we can understand the issue... 

TransUnion will not report my perfect payment history of my OCWEN home loan, according to Matthew Parker of OCWEN, until a mysterious TRANSUNION employee named "Melissa" refuses to let OCWEN reinstate my home loan trade line on TRANSUNION until I sign a letter she will write for me, then I will return this letter to OCWEN and they will forward it to TRANSUNION and then and only then will TRANSUNION allow my perfect payment history to show on my credit report.
I have called TransUnion many times since Matthew Parker of OCWEN told me this story last week. I was not given a letter to sign. I wrote my own letter begging to have my home loan reporting correction on my credit report and I posted this on twitter via private direct message to both OCWEN and TRANSUNION.
Please help me and my autistic son. We are ruined financially until the correct and true information shows on my credit report. I don't know if there is a MELISSA. Both Ocwen and TransUnion have refused to give me any information about her. She has not made any notes on my file that will help us find her. If she exists, she is holding my credit score hostage. If she does not exist, OCWEN is making serious false accusations.

Consent to publish the description of what happened?Consent provided 

PRODUCT INFORMATION 

Information about the credit reporting company

TransUnion 

United States 

DESIRED RESOLUTION 

What do you think would be a fair resolution to your issue? 

I want the true and correct information to show on my credit report. I pay my home loan on time. I deserve to have that showing on my credit reports

THE MEXICAN STAND OFF BETWEEN OCWEN AND EQUIFAX HARMS AUTISTIC BOY

Steampunk enthusiasts enacting a Mexican standoff

"A Mexican standoff is a confrontation between two or more parties in which no participant can proceed or retreat without being exposed to danger. As a result, all participants need to maintain the strategic tension, which remains unresolved until some outside event makes it possible to resolve it."
                                                                            ~Wikipedia

I have been here before. In March 2016. Some of the characters have changed, but a Mexican stand off is a Mexican standoff.

Rather than use my horrible drawing skills to draw the current cast, just look at March's drawing and where you see TRANSUNION, substitute in EQUIFAX. OCWEN still has a leading role. Unfortunately, I got cast as the tennis ball again.

My autistic son James is in pain and these Mexican standoffs hurt him most of all. The financing of his dental surgeries is dependent on the resolution of these problems and the restitution of my perfect payment history to the credit bureaus.

I am being told by EQUIFAX that is problem is being caused by OCWEN. I am being told by OCWEN that this problem is being caused by EQUIFAX.

My autistic son has exposed dental roots. An emergency room doctor said that if those were his teeth, he would want to be on morphine. If James was on morphine until OCWEN reversed all it's recent harmful actions, James would die from the morphine.

A UCLA doctor, Dr. Bernard Churchill, wrote to Sacramento that James' teeth were the worst teeth he had ever seen in his life and everything that could be done to fix them should be done.

EQUIFAX and OCWEN need to resolve their problem and get out of the way so James can get threatment. 

OCWEN needs to do everything it can but even if EQUIFAX is the correct party to blame in this Mexican standoff, the point of origin is OCWEN. This clean up would not be happening at all if the mess had not been made by OCWEN in the first place.

Both OCWEN and EQUIFAX have been reported to the CFBP for the way they are not handling this professionally and in a timely manner, the harm they are causing my autistic son by this unnecessary delay.

OCWEN STALLS RESTORATION OF HOMEOWNER'S GOOD CREDIT RATING

" Ocwen is charged with engaging in unfair and deceptive acts or practices in violation of the federal Consumer Financial Protection Act and state laws. Ocwen’s unlawful conduct has resulted in injury to consumers who have had home loans serviced by Ocwen, Litton , and Homeward. The harm includes payment of improper fees and charges, unreasonable delays and expenses to obtain loss mitigation relief, and improper denial of loss mitigation relief."

                                             ~Consumer Financial Protection Bureau

OCWEN was given the opportunity by EQUIFAX to quickly restore my six year, perfect payment history on EQUIFAX. Since that three way call last week, OCWEN has gone dark and refuses to tell me if they have complied with EQUIFAX'S request for a simple once sentence fax to resolve the matter quickly.

OCWEN'S repeated choice to keep me in the dark have elevated this situation to a Americans With Disability Act case. OCWEN'S strange actions have made life hell for me and endangered the life of my autistic son James. OCWEN doesn't think it is any of my business when they plan to stop holding my credit score hostage so I can apply for the loan to get James' badly needed surgeries.

AUTISTIC BOY WATCHES HIS MOM CLEAN UP MESS OCWEN MADE

Ocwen needs to comply with the instructions Equifax gave them to resolve this. 

Ocwen needs to respond in a more timely manner to reverse the many damages they caused before those damages multiply and result in irreversible losses. 

This has become a life and death matter for me and my autistic son. Without warning we were thrown back into a trumped up housing crisis with severe financial harm heaped on us when we were only just beginning to be able to recover from the original housing crisis of a decade ago. 

Nearly a decade ago my autistic son James was hurt during that original housing crisis and was just about to have a series of surgeries in spring 2016 to correct the damage  that an "off-label"medication did to his teeth back then while we struggled through the real housing crisis. 

This trumped up 2016 housing crisis was generated by an Ocwen employee in Orlando, Florida and in comparison is far more deadly than the real housing crisis because of it's wicked speed and sucker punches. This fake housing crisis of 2016 is so virulent that it strikes many people as unbelievable and psychopathic. The name of the person in the Orlando offices of OCWEN who launched this virulent attack on a loan in good standing is being withheld at this time. There is no confirmation yet regarding whether this OCWEN employee has or is doing harm to other people or if this OCWEN employee has mental health issues or a criminal record.

OCWEN seems determined to force us back into a court of law to relive the horrors of the housing crisis all over again. 

Why would OCWEN do this to a loan in good standing? Was this the action of a rogue OCWEN employee who felt OCWEN would protect him and give him the ability to destroy lives with impunity?

Why would OCWEN try to abscond with the house, the $5000 HAMP incentive and the KEEP YOUR HOME CALIFORNIA $76,700. 

when the loan had been paid on time for six years and qualified for those incentives? 

Why is OCWEN taking so long to reverse the harm, making me do the research to show them how to reverse the damage at EQUIFAX because they are satisfied to just say EQUIFAX is difficult to work with? 

Why wasn't OCWEN willing to do the research that I did to find out how to resolve the problem they were having with reinsertion of the trade line at Equifax? 

OCWEN was going to make the EQUIFAX problem go on for months longer but I stepped in and helped them understand what they had to do to reinstate the trade line. 

I would like OCWEN to be more responsible and to repair the damage in a more timely way so I can help my bedridden son get the surgeries he needs and get out of the downward spiral his health is in now before it can't be reversed. 

I would like OCWEN not to force me and my son to have to go back to court to correct the damages done to us. I would like OCWEN to stop blaming others and just take responsibility for those destructive actions they took.

Having said all this, I fear this nightmare is headed towards being settled in a court of law.

WILL TRUSTEE DEUTSCHE BANK STEP IN AND FORCE OCWEN TO STOP THE CARNAGE?

OCWEN took such a hostile, surprise attack on my home loan in good standing, bank owned it after accepting $5000 HAMP incentive applied to principal for never being late on loan payments and $76,700 KEEP YOUR HOME CALIFORNIA funds, such a hostile act that the public has trouble understanding it. People ask me if I'm SURE I didn't miss a payment....they don't want to believe a bank would do this. 

The shock of having our home bank owned without warning caused me to be bedridden with sudden vision difficulties for several hours, which was horrifying because I am the care-provider for a very ill autistic young man. When stricken by shock submitted the details to the CFPB verbally via phone while bedridden and unable to sit up and see well enough to submit the information on line about how LONG Ocwen is taking to make the repairs they promised to make. 

Rather than accept that the way OCWEN demolished my credit with Equifax was the reason it was difficult to restore, OCWEN simply blamed Equifax like they had previously blamed TransUnion. 

It is OCWEN'S fault that this has to be repaired in a certain way...due to the unusual way OCWEN removed and blocked the trade line from Equifax, within the context of a simple Equifax Dispute dated, March 17, 2016 which simply asked if they could show I had always paid my home loan on time since July 1, 2010. OCWEN'S actions were so extreme that a criminal investigation might find it fits the profile of an act of rage.

Ocwen's response was vicious and impossible for Equifax to make sense of because they had no way of knowing it was just part of a blitzkrieg of harsh actions Ocwen was raining down upon me and my autistic son James. To Equifax it was presented only as a response to my request to have more of my perfect payment history showing. 

Ocwen's attitude about correcting the damage they created has been to blame Equifax and state that the damage cannot be repaired at this time. In the meantime my autistic son is getting sicker while we wait to resolve these issues so I can get the loan for his surgeries. He may be too ill to have surgery by the time Ocwen resolves the damages they caused.

This begs the question: Will Deutsche Bank step in and force Ocwen to undo the damage they have done to a home owner who had a loan in perfect standing for the last six years? When the damage is this heinous, should the trustee take action to put a stop to the senseless carnage? Ocwen has proven time and time again that they cannot police themselves and while they can dish out damage at mind blowing speed, their ability to correct their mistakes moves like snail mail and comes to halts that force the home owner to do the research Ocwen won't do to solve the problems it created.