Day: May 31, 2017

Failure to pay mortgage does not relieve mortgage companies of responsibilities under FCRA

Mohamed v. Select Portfolio Servicing, Inc., et al, 215 F.Supp.3d 85 (Dist. D.C.)   The mortgage was transferred among various servicers and various holders over the course of its life. The consumer/mortgagor, Mr. Mohamed, requested confirmation from his various servicers that they were entitled to payment on the note. Mr. Mohamed eventually stopped paying on the note (in fact, he didn’t make a payment for over five years), stating that his current servicer, EMC, had failed to establish that they were the holder of the Note.   Mr. Mohamed filed disputes with the credit reporting agencies (CRA’s) to dispute the

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