<prompt> Human: So our mortgage was sold Q3 last year. Our new lender has not been updating the credit bureaus but has been marking as ok, until today. I got an alert I have set up showing a 100 point drop due to being 30 days delinquent. I have statements showing the payments and bank accounts showing the transfer of funds. We were supposed to buy a car this weekend but with a score in the low 600s I am not even going anywhere near a dealership until this gets sorted out. What recourse do I have? I cannot file a dispute because TU says the account is not late while showing it is late?!Edit: Sounds like it is not an isolated incident but rather something more widespread. If you or anyone you know has Home Point Financial let them know to check their credit reports. Edit 2: According to their Facebook page there are people nationwide who have been affected by this.  <response>: Ive got the answer for this one. You write a letter to your mortgage servicerlender if they are the same with a copy of your credit report showing the error. To do this, you must use a special address for disputes found on the back of your mortgage statement.The lender is required by law to acknowledge the letter within 5 business days and respond within 30. Heres a link to the CPFB with how to write a dispute letter: I would say you want to pull the other 2 reports as well to check through the government website annualcreditreport.comYou may still be able to get the car loan if you find a credit unionbank that pulls one of the other two credit agencies, assuming that they all dont show the erroneous late payment. 