CitiMortgage is reporting my mortgage account to the XXXX major credit reporting agencies as 30, 60, 90, 120 days late, beginning XXXX 2014 through XXXX 2014, which is incorrect. I entered into a loan modification agreement during this period of time. When I first contacted CitiMortgage, I was informed that I would have to be 30 days late before I could be approve for a loan modification. I applied for the loan modification because money was extremely tight due to previous job loss and very serious medical conditions for both my wife and I, however, I was fully prepared to make the XX/XX/XXXX payment. Per instructions from CitiMortgage and in order to qualify for the loan modification, I did not make the XX/XX/XXXX payment and was subsequently approved for the modification. I made each payment, per the modified agreement, beginning in XXXX 2014 and continuing until now. However, the payment history now being reported by CitiMortgage reflects that I not only failed to pay in XX/XX/XXXX, but also XX/XX/XXXX and the following months through XXXX 2014. 
I have disputed this directly with CitiMortgage ( see attached ) and they have verbally communicated that they will not change this erroneous reporting because this " is just how we report it. " Therefore, the only conclusion I can come to is that CitiMortgage is KNOWINGLY and INTENTIONALLY reporting this inaccurate information in violation of the Fair Credit Reporting Act after being informed of their error. 
Since CitiMortgage obviously does not care about the consumers they are harming and is refusing to correct this error, I request that the CFPB step in and assist me with raising my issue to the appropriate management levels at CitiMortgage who have both the authority and willingness to right a wrong that is causing harm to a consumer. 
