Company admits their error in delaying loan modification resulting in negative credit reporting, yet refuses to correct their error on credit report. 

In a letter in response to the CFPB complaint on XXXX XXXX, XXXX, Wells Fargo clearly admitted their error when they stated : " A review of your account confirms that the information you provided to us on XXXX XXXX, XXXX, was the information that was required from you in order to clear title so we could move forward with the settlement of the loan modification. We are moving forward with the final decision based on the trial plan approved XXXX XXXX, XXXX and the modification approved XXXX XXXX, XXXX. We apologize for any inconvenience this may have caused. '' Inconvenience, really? The emotional pain and suffering from not being able to obtain housing, employment, rental cars, credit cards due to their erroneous credit reporting was beyond inconvenient. According to Wells Fargo 's own admission, they are directly responsible for the late payments they are reporting to the CRAs from XXXX XXXX to XXXX XXXX. 

However, this is not the end of the story. They had also unjustifiably denied my 2 other previous attempts to cure this delinquency. First, in XX/XX/XXXX after I had completed my 3 trial payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, they simply stated their reason for cancelling my loan mod was : " the program had changed and I no longer fit in the parameters of the new program. '' In their letter dtd, XXXX XXXX, XXXX, they patently lied when they responded to this allegation when they said : " you informed us that you were unemployed and unable to continue with the post-HAMP trial payments. '' The fact is that they refused to take another payment from me for the above mentioned reason of " no longer fit in the parameters. '' Again, in this same letter they completely fabricated the story that " they were not in receipt of the requested financial information. '' in regards to the special forbearance program I was approved for in XXXX but unable to complete after faxing my documents in no less than XXXX times. 

Wells Fargo initially claimed this was the case on the XX/XX/XXXX loan modification, but after I got the XXXX Attorney General involved, the truth came forward. If they initially lied about the XXXX loan mod, how hard is it to believe they also lied about the XXXX and XXXX attempts. 

I acknowledge that the initial delinquency in XXXX was my responsibility. But by every right, the first loan modification in XXXX should have been completed. Because of Wells Fargo 's error they have been reporting 56 late payments on my mortgage to the CRAs, which has completely decimated my financial life and has caused untold pain and suffering. 
