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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

Can my mortgage servicer report negative information about me to a credit-reporting agency after I have sent an error dispute or information request?


It depends. If your notice of error is in regards to a payment, your servicer can’t provide negative information about that payment to any consumer reporting agency or credit bureau for the 60 days after it receives your notice of error.

If you send an information request, or if your notice of error is about something other than your payments, the servicer CAN report negative information about your account to a consumer reporting agency or credit bureau.

Learn more about requesting information from or disputing an error with your mortgage servicer.

If you have a problem with your mortgage, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.