United Wholesale Mortgage

A "Delinquent N/E Loan 2nd Notice" states: "As of June 05, 2024 our records indicate that delinquent real estate taxes remain unpaid on your property." It itemizes parcel 069-433-013-000, Yolo County, tax year 2023/2024 installments 1 and 2, base amount $8,510.30, and gives ten days to remit payment and provide proof.

It continues: "Should these charges continue to remain delinquent after this ten (10) day period, we may elect to pay the taxes on your behalf and establish an escrow for future tax bills. Your monthly payment will increase to cover our payment of your delinquent taxes and for future tax payments."

The notice is headed 2nd Notice. It carries the line "This communication is from a debt collector."

The monthly payment is $1,978.94. The escrow balance is $0.00 and the amount overdue is $0.00. This is the last statement before the escrow advance.

County tax of $8,510.30 and city/utility of $1,131.33 are advanced from escrow, taking the escrow balance from $0.00 to −$9,641.63 in a single day.

"Please be informed that as a result of your failure to respond to our previous notice(s), we have paid the delinquent taxes on your property that remained unpaid."

"We will be establishing an escrow account to recover the funds we have disbursed to pay your delinquent taxes, as well as to ensure payment of your future property tax bills. The establishment of this escrow account will result in an increase to your monthly mortgage payment."

The advance itself posts the day before this letter is dated, on 08/08/24.

The required monthly payment becomes $3,964.39, of which $1,985.45 is escrow. The payment has slightly more than doubled to recover the advance.

Cenlar FSB confirms a one-time payment draft of $1,985.45 submitted 10/11/2024 and scheduled for 10/15/2024. $1,985.45 is the escrow portion of the new $3,964.39 payment. The letter is on Cenlar FSB letterhead; Cenlar is the subservicer.

UWM's own Escrow Account History records an R.E. TAX disbursement of $4,343.69 in November 2024, taking the actual escrow balance from ($7,656.18) to ($11,999.87). The projected disbursement for that month was $4,255.15.

From December 2024 through March 2025, $1,978.94 is tendered each month. Each payment is returned days later. Money leaves the account, comes back, and the month reports late.

On a call with UWM Payment Services, advised recorded, the borrower is instructed to send exact full periodic payments and told that exact payments apply to the oldest outstanding installments. The date of this call has not yet been recovered from phone records, so it is carried at year precision rather than assigned a day it may not have happened on. Preservation of the recording was demanded in the 2026-08-27 filing.

A further R.E. TAX disbursement of $4,343.69 is recorded for March 2025 against a $1,985.45 deposit, taking the actual escrow balance to ($14,358.11). It stays there through April and May.

$7,928.78 is received. That is exactly 2 × $3,964.39, the full required periodic payment twice over.

The $7,928.78 is coded *PARTIAL/UNAPPLIED PAYMT, an equal and opposite adjustment is entered, the funds are allocated to escrow, and a refund check is issued. Two full periodic payments were classified as a partial payment.

A delinquency notice issues on the same date, stating the account is 138 days delinquent with a delinquency date of 01/01/25.

Four separate payments of $3,964.39 each are posted to the account.

A $50,000 Schwab MoneyLink deposit is made to keep the account from progressing toward foreclosure.

UWM restates January through April 2025 as fully paid on 06/09 and moves the delinquency date from 01/01/25 to 05/01/25. The institution's own record now says those months were not delinquent.

The refund check issued on 05/19 is deposited.

The statement shows past-due principal of $0.00.

Bank of America issues a Returned Item Notice: the refund check UWM issued is returned unpaid, reason STOP PAYMENT.

The Annual Escrow Account Disclosure Statement sets out the actual escrow activity month by month. The May 2025 row reads, in UWM's own columns:

| Deposits to escrow, actual | Payments from escrow, actual | Description | Escrow balance, actual | |---|---|---|---| | $7,928.78 | $7,928.78 | ESC REFUND | ($14,358.11) |

The escrow balance is ($14,358.11) at the end of April and ($14,358.11) at the end of May. The deposit and the disbursement are equal, in the same month, and the disbursement is described as a refund.

For the review period as a whole the statement records actual deposits of $33,726.61 against $8,510.28 projected, and actual disbursements of $16,616.16 against $8,510.30 projected.

The 06/26/25 analysis finds an escrow surplus of $3,125.14 and states: "We are required to send you a check rather than apply the amount to the principal on your loan." Check no. 299755, dated 06/27/25, drawn on Cenlar FSB Disbursement Clearing, is printed on the notice.

The same document sets the new payment at $2,702.89 effective 08/01/2025 — principal and interest $1,978.94, escrow deposit falling from $1,985.45 to $723.95 — and states the required minimum balance as $1,447.90.

The day after the stop payment, $7,928.78 is withdrawn electronically by UWM.

The 08/18/25 statement shows a Past Due Amount of $2,702.89 and Paid Since Last Statement of $0.00. The only entry in Transaction Activity for 07/03/25 through 08/18/25 is a LATE CHARGE FEE of $98.95.

This is the last servicing record in the file. It is published because all three nationwide bureaus report a 30-day delinquency for September 2025, and this statement is consistent with that reporting. The file contains no record covering September 2025 either way.

The 01/27/2026 Annual Escrow Account Disclosure Statement finds a surplus of $2,415.95 and issues check no. 862511, again drawn on Cenlar FSB Disbursement Clearing. The new payment is $2,829.63 effective 03/01/2026.

The Annual Escrow Review on this statement carries an INSURANCE line that the 06/26/2025 statement did not: HAZARD INS, now expected to pay $1,779.00. The Escrow Account History records an actual HAZARD INS disbursement of $593.00 in December 2025 and $148.25 monthly thereafter.

The same history records, for June 2025, an actual escrow disbursement of $3,125.14 described as ESC REFUND.

The autopay authorization notice for this loan sets out the disclosed terms of UWM's own drafting:

• Delay Days: 6, defined on the notice as "the number of days after the due date on which the debit will occur."
• "Past due payments will not be drafted. If you are past due, you must send in your payment and it must be processed at least two business days prior to your next payment due date, so that your draft can be processed."
• "Repeated return drafts may subject you to suspension from the autopay program."

Contractual Payment is stated as $2,681.38. These are the servicer's published terms, reproduced as written.

UWM writes: "Starting September 1, 2026, your loan will be supported by United Wholesale Mortgage's new servicing center... Nothing about your loan is changing, you'll still make your payments to United Wholesale Mortgage." A new loan number is assigned. The previous servicing center "will accept payments through August 31, 2026."

This letter is dated August 12, 2026. The six certified packets were mailed on August 27, 2026. The transfer was announced before the filing, not after it.

The letter also states: "Under Federal law, during the 60-day period following the effective date of the transfer of the loan servicing, a loan payment received by your previous servicing center on or before its due date may not be treated by the new servicing center as late, and a late fee may not be imposed on you." That protection runs to the treatment of payments and the imposition of late fees. It does not address credit reporting.

Experian reports 30/60/90/90/120/150 day delinquencies across 2025 and, on the same tradeline, that the account is paying as agreed with $0 past due. Equifax and TransUnion report 120 days for June 2025 where Experian reports 150. Three bureaus, one furnisher, three different answers. Scores are approximately 485–486.

Six certified packets are filed: a direct dispute to UWM combining a Notice of Error and Request for Information with a demand to preserve the call recording, a CFPB complaint, disputes to Experian, Equifax, and TransUnion, and a complaint to the California Department of Financial Protection and Innovation.

UWM writes: "Thank you for reaching out to us. We have received your recent communication. We are currently researching your inquiry and will respond within thirty (30) business days." The letter carries form code CR044 033 5RP JO and designates PO Box 77423, Ewing NJ for Qualified Written Requests, notifications of error and requests for information.

The letter does not identify which communication it is acknowledging.

Four USPS Certified Mail receipts (PS Form 3800) are postmarked PLEASANTON CA 94566, AUG 27 2026:

| Addressed to | Address written on the receipt | Total postage and fees | |---|---|---| | UWM | PO Box 77423, Ewing NJ 08628 | $15.17 | | Experian | PO Box 4500, Allen TX 75013 | $14.22 | | TransUnion | PO Box 2000, Chester PA 19016-2000 | $14.22 | | Equifax | PO Box 740256, Atlanta GA 30374-0256 | $14.22 |

The UWM receipt is addressed to PO Box 77423, the address designated for Qualified Written Requests, notices of error and requests for information on every UWM statement and on both acknowledgement letters.

Complaint 260827-37597945, submitted 08/27/2026. Product: Mortgage. Issue: Trouble during payment process. Attachment: the signed packet, 3.9 MB.

The CFPB portal records two status entries for that date: "Submitted — Submitted to the CFPB on 8/27/2026" and "Sent to company — Sent to company on 8/27/2026."

The DFPI confirms complaint CN0050786 the same day, status Submitted.

The CFPB's stated process: "Companies generally respond within 15 days. In some cases, the company will let you know their response is in progress and will provide a final response within 60 days."

PS Form 3811 for article 9589 0710 5270 3993 4189 27 is returned signed, date of delivery 090126, addressed to Equifax Information Services LLC, PO Box 740256, Atlanta GA.

A second letter arrives carrying the same form code CR044 033 5RP JO, the same undertaking to respond "within thirty (30) business days", and the same designated address. Its text is identical to the letter of 08/27/2026.

Neither letter states what it is acknowledging, so the file now contains two thirty-business-day undertakings with two different start dates.

UWM gives notice that servicing of the loan transferred to another UWM servicing center effective 09/01/2026. The notice states:

• a new loan number replaces the prior one;
• the address for Qualified Written Requests, notifications of error and requests for information changes from PO Box 77423, Ewing NJ to 585 South Blvd E, Suite 300, Pontiac MI;
• payments route through a partnership with Bilt;
• "Under Federal law, during the 60-day period following the effective date of the transfer of the loan servicing, a loan payment received by your previous servicing center on or before its due date may not be treated by the new servicing center as late."

The notice carries the line "This communication is from a debt collector. This is an attempt to collect a debt."

The direct dispute, the notice of error and the request for information were sent to the prior address on 08/27/2026 and acknowledged from that address on 08/27 and 09/02. Whether the new center treats them as pending is not stated in this notice.

PS Form 3811 for article 9589 0710 5270 3993 4189 10 is returned signed and date-stamped SEP 3 2026, addressed to Experian and delivered to 701 Experian Parkway, Allen TX.

The signed PS Form 3811 return receipt for the TransUnion dispute is date-stamped SEP 03 2026, received by "TransUnion", addressed to TransUnion Consumer Solutions, PO Box 2000, Chester PA 19016-2000.

TransUnion issued its investigation results on 09/22/2026 — nineteen days later, inside the period FCRA 15 U.S.C. §1681i(a)(1)(A) allows.

The Certified Mail article number on this card is not legible in the scan held on file and is therefore not recorded here. The return receipt's own USPS tracking number reads 9590 9402 0138 6110 3773 60.

United Wholesale Mortgage responds in writing over the signature of Tammy B., Executive Resolution Specialist. The letter states it is "in response to your correspondence dated August 27, 2026, received in our office on August 31, 2026." It encloses the documentation relied on. It is reproduced here in its own order and its own words.

On the escrow advance. "On August 8, 2024, property taxes of $8,510.30 and penalties of $1,131.33 were advanced, creating an escrow advance balance of $9,641.63. Additional county tax disbursements of $4,343.69 were made on November 18, 2024, and March 19, 2025. These advances were recovered through future escrow collections and payment applications."

On insurance. "The account also incurred lender-placed insurance expenses after homeowners' insurance coverage issues were identified." Escrow analyses were completed 01/27/2026 and 07/16/2026, "ultimately resulted in escrow surplus refunds of $2,415.95 and $1,779.02, respectively. A lender-placed insurance refund of $1,482.50 was credited to the account on July 10, 2026, and the monthly payment was reduced to $2,681.38 effective August 1, 2026."

On the May 2025 payment. "It was stated that a payment in the amount of $7,928.78 was returned. However, the service records do not support that allegation. The payment history reflects that a payment of $7,928.78 was received on May 15, 2025, as a Modified Coupon Payment. The payment was successfully posted to the account on that date and was subsequently reflected as payment on May 19, 2025. No evidence was identified showing that the payment was returned, reversed, or refunded. Rather, the records reflect that the funds were accepted and applied in accordance with servicing requirements."

On the transaction ledger, two paragraphs later in the same letter. "The ledger confirms the August 2024 tax and penalty advance of $9,641.63, the November 2024 and March 2025 County tax disbursements of $4,343.69 each, the May 15, 2025 payment of $7,928.78, the May 19, 2025 escrow refund transaction in the same amount, the June 2025 escrow advance recovery transactions, and the subsequent payment applications that reduced the account delinquency."

On the credit reporting. "The servicing records support reporting of 30-59 days past due in January 2025, 60-89 days past due in February 2025, 90-119 days past due in March and April 2025, 120-149 days past due in May 2025, and 150-179 days past due in June 2025."

On the 150-versus-120 split between the bureaus. "Our review found that the furnishing records support reporting at the 150-179 days past due level during the June 2025 reporting cycle. Any differences reflected by the consumer reporting agencies may be attributable to bureau processing, updating timing, or display methodology. We found no evidence that the delinquency level furnished by the servicer was unsupported by the underlying service records."

Conclusion. "Based on the reviewed records, we did not identify a servicing error in the escrow calculations, payment applications, account history, or credit reporting... Accordingly, no account adjustment, fee waiver, additional refund, or credit reporting correction was determined to be warranted because of this investigation."

The letter closes: "You have a right to receive a copy of the documentation we relied upon to reach this conclusion. For your convenience, the documentation is enclosed." The enclosures are indexed on this docket as Exhibits AB, AC, AD and AE.

Not addressed. The letter does not address the June 24, 2025 deposit of UWM check no. 206737, the Bank of America Returned Item Notice of June 26, 2025 recording that instrument returned unpaid for STOP PAYMENT, the stop-payment event itself, or items 7 and 8 of the request for information, which asked who placed the stop payment, when, why, and how the underlying funds were accounted for.

Response address given: PO Box 77423, Ewing NJ 08628, and telephone 866-677-8807. The servicing transfer notice dated six days earlier gives a different address for the same purpose.

Equifax replies under confirmation number 6252553888. It does not report an investigation of the disputed information. It states:

"PLEASE BE ADVISED IN ORDER TO VERIFY YOUR SOCIAL SECURITY NUMBER, PLEASE PROVIDE A VALID COPY OF YOUR SOCIAL SECURITY NUMBER OR W2 FORMn"

"The information you provided as proof of your identity does not match the information we currently have on your credit file, we ask that you send us a copy of two different items - one from each of the two categories listed below."

Category 1 asks for a pay stub, W-2 or Social Security card showing the complete number. Category 2 asks for a driver's license, lease or deed, pay stub with address, or utility bill.

The dispute was delivered to Equifax on 09/01/2026 and signed for, per the return receipt filed as Exhibit X. The enclosure Equifax received included the Equifax section of the 08/26/2026 three-bureau report, on which Equifax reports this consumer's name, current address, date of birth and the last four digits of the Social Security number. Equifax's reply is addressed to that same name and address.

FCRA 15 U.S.C. §1681i(a)(1)(A) requires a consumer reporting agency that receives notice of a dispute from a consumer to conduct a reasonable reinvestigation free of charge and to record the current status of the disputed information or delete it before the end of the 30-day period beginning on the date the agency receives the notice. 15 U.S.C. §1681i(a)(3) permits an agency to terminate a reinvestigation it reasonably determines to be frivolous or irrelevant, including where the consumer has failed to provide sufficient information, and requires notice of that determination and the reasons for it within five business days. This letter does not state that it is such a determination. No reinvestigation result has been received as of this entry. (U.S. Code as of 2026-10-08.)

The CFPB complaint portal records, under status "Company response is in progress as of 9/9/2026", UWM's interim response in full:

"Dear Mr. Giannis: We are contacting you on behalf of United Wholesale Mortgage, LLC regarding the complaint you filed with the Consumer Financial Protection Bureau. Our Servicing Team has completed an initial review into your concerns with the payment of your taxes, establishment of an escrow account, the processing of payments towards your loan and adverse credit reporting performed by UWM. This review has noted additional issues requiring further research and upon completion of this process, we will provide a detailed response addressing your concerns. Sincerely, The UWM Consumer Advocate Team."

UWM's letter to the borrower is dated the same day, 09/09/2026, and states:

"Based on the reviewed records, we did not identify a servicing error in the escrow calculations, payment applications, account history, or credit reporting... Accordingly, no account adjustment, fee waiver, additional refund, or credit reporting correction was determined to be warranted because of this investigation."

Both documents are dated 09/09/2026. Both describe a review of the same four subjects: the tax payment, the escrow account, the processing of payments, and the credit reporting. One is signed by an Executive Resolution Specialist and closes the matter. The other is from the Consumer Advocate Team and says the review is continuing.

The CFPB complaint remains OPEN. Under the Bureau's stated process a final response is due within 60 days of the complaint being sent to the company on 08/27/2026.

Both acknowledgement letters — 08/27/2026 and 09/02/2026 — carry the same sentence:

"If your communication includes a request for the identity and address of the owner of this mortgage, this information will be mailed to you separately within ten (10) business days."

The 08/27/2026 filing included that request. UWM's response of 09/09/2026 states the correspondence was received on August 31, 2026. Ten business days from that date, excluding the Labor Day holiday, is September 15, 2026.

As of 2026-10-08, no such communication has been received. 12 U.S.C. §2605(k)(1)(D) and 12 CFR 1024.36(d) govern a request for the identity, address and relevant contact information of the owner or assignee of a mortgage loan. (U.S. Code and eCFR as of 2026-10-08.)

The statement from UWM's new servicing center, under the new loan number, records a payment of $2,681.38 posted 09/08/2026 and an interest-on-escrow deposit of $51.30 on 08/31/2026.

| | | |---|---| | Past Due Amounts — 0 Payments | $0.00 | | Advances On Your Behalf | $60.00 | | Late Fees | $989.50 | | Total Due | $3,730.88 | | Regular Monthly Payment | $2,681.38 |

Outstanding principal balance $392,809.76. Escrow balance +$5,670.80. Paid year to date $28,041.83. Maturity 06/2051. Interest rate 3.50000%.

No payment is past due. The $1,049.50 above the regular payment is accumulated late fees and advances. No itemization of either accompanies the statement.

The statement designates a new address for notices of error and requests for information: "Pursuant to RESPA, written Requests for Information about your loan, Qualified Written Requests (QWR) about the servicing of your loan, or Notices of Error on your loan must be sent to the following designated address: United Wholesale Mortgage, Attn: Servicing, 585 South Blvd E, Suite 300, Pontiac, MI 48341." UWM's substantive response, dated eight days earlier, gave PO Box 77423, Ewing NJ for the same purpose.

Experian issues Dispute Results report #3105-0481-36 for the UNITED WHSLE MORT tradeline, outcome Updated, and prints the tradeline before and after side by side.

Unchanged. The 2025 payment history reads 30, 60, 90, 90, 120, 150 for January through June and 30 for September in both renderings. The 150-day designation for June 2025 remains. The 30-day designation for September 2025 remains.

Changed. Account status moves from Open to "Transferred, closed", with the comment "Transferred to another lender" and "This item was updated from our processing of your dispute in Sep 2026." Recent Balance, Monthly payment, Credit limit and High Balance all become "Not reported".

The dispute was delivered 09/03/2026 and answered 09/21/2026 — eighteen days, inside the period FCRA 15 U.S.C. §1681i(a)(1)(A) allows.

The report also records, in the furnished monthly detail, an Actual Amount Paid of "No Data" for May 2025 and $7,928 for June 2025.

TransUnion issues investigation results under file number 355842185, headed: "DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED: A change was made to the item(s) based on your dispute and other information has also changed."

For UNITED WHOLESALE MTG it states: "We investigated the information you disputed and updated: Balance; Date Updated; Last Payment Made; Terms; Date Closed; Remarks; Maximum Delinquency; Rating; Payment Received; Historical Trended Data."

The monthly ratings after the investigation. January 2025 30, February 60, March 90, April 90, May 120, June 120, July and August OK, September 2025 30, October through December OK. Every month of 2026 through August reads OK. 2021 through 2024 read OK throughout.

These are the same monthly ratings the 08/26/2026 report carried. Remarks now read: ">Maximum Delinquency of 120 days in 05/2025 and in 06/2025<".

What did change. Pay Status to "Transferred; was Paying as agreed". Date Closed to 09/01/2026. Balance to $0. Terms to "$0 per month, paid Monthly for 360 months". Last Payment Made and Payment Received to 08/10/2026 ($2,681). Date Opened reads 05/12/2021 here, where the 08/26/2026 report read 04/30/2021 — a field that was not disputed.

Historical Trended Data was removed. The letter explains why: "Once an account is disputed, the historical trended data is removed from your credit file and will not be displayed on these results. However, the rating information reflecting the timeliness of your payments will remain and reflect any updates provided by the creditor, if applicable."

The letter sets out the next steps it offers: a 100-word consumer statement, a direct dispute with the furnisher, a further dispute with new documents, or a complaint to the CFPB or a state attorney general.

An Equifax single-bureau report pulled 10/02/2026 carries, in its Report Summary:

| Account Type | Open | With Balance | Total Balance | |---|---|---|---| | Revolving | 7 | 6 | $128,260 | | Mortgage | 0 | 0 | $0 |

The United Wholesale Mortgage tradeline, account ending 4630, is reported:

• Account Status Closed, Reported Balance $0, Monthly Payment Amount $0
• Activity Designator Transfer Or Sold
• Date Closed Sep 01, 2026; Date Reported Sep 03, 2026; Date of Last Activity Aug 01, 2026
• Date Of First Delinquency: N/A
• Payment history 2025: 30, 60, 90, 90, 120, 120, paid, paid, 30, paid, paid, paid

The 2025 delinquencies are the same as on the 08/26/2026 report. July, August, October, November and December 2025, which the August report left blank, now read as paid on time.

No tradeline appears for the successor loan number. The servicing transfer took effect 09/01/2026 between two United Wholesale Mortgage servicing centers; the notices of 08/12/2026 and 09/03/2026 both state the loan is not changing hands and that payments continue to UWM, and NMLS 3038 appears on the statements from both centers.

The borrower's position on the same date, per UWM's own statement of 09/17/2026: payment of $2,681.38 posted 09/08/2026, zero payments past due, outstanding principal $392,809.76.

The Equifax report of 10/02/2026 carries four mortgage tradelines, all closed:

| Furnisher | Opened | Closed | Status | High credit | Date Of First Delinquency | |---|---|---|---|---|---| | United Wholesale Mortgage | May 12, 2021 | Sep 01, 2026 | Pays as Agreed | $440,700 | N/A | | Newrez/Shellpoint Mortgage Servicing | May 03, 2005 | May 01, 2021 | Pays as Agreed — Paid And Closed | $427,600 | N/A | | Loancare, Cit Bank NA | Sep 24, 2015 | Dec 01, 2018 | Pays as Agreed — Paid And Closed | $833,000 | N/A | | Cit Bank | Sep 24, 2015 | Mar 01, 2018 | Pays as Agreed — Transfer Or Sold | $833,000 | N/A |

Not one of the four reports a Date of First Delinquency — including the United Wholesale Mortgage tradeline, which reports delinquencies up to 120 days.

Experian's report of 09/21/2026 places the same prior loans in its Positive Account Activity section and gives each a status in its own words:

• SPECIALIZED LOAN SERVICI, mortgage, opened May 2005, $427,600 — "Paid, Closed/Never late"
• CIT BANK NA, mortgage, opened Sep 2015, $833,000 — "Transferred, closed/Never late"
• CIT BANK NA/LOANCARE, mortgage, opened Sep 2015, $833,000 — "Paid, Closed/Never late"
• UNIFY FINANCIAL FCU, home equity, opened Jul 2016, $250,000 — "Paid, Closed/Never late"

The May 2005 loan appears on Equifax under its last servicer, Newrez/Shellpoint, and on Experian under an earlier servicer, Specialized Loan Servicing: same origination month, same $427,600. It closed 05/01/2021. The United Wholesale Mortgage loan opened 05/12/2021 at $440,700, eleven days later.

Across every mortgage tradeline in this credit file, from May 2005 forward, the earliest delinquency reported by any furnisher is January 2025.

The entry for 06/27/25 was published as "UWM withdraws $7,928.78 electronically the next day." The bank record does not establish that.

The descriptor reads UNITEDWHOLESALE DES:1 TIME DFT ID:[loan] INDN:[borrower] CO ID:9DFT4 **WEB**. Two other drafts on the same account carry the same company name and the marker TEL: $15,857.56 on 06/11/25 and $3,964.39 on 07/07/25. WEB and TEL are borrower-initiated channels. Nothing in the file identifies who initiated any of the three.

What the record does establish, and what the entry should have said: on 06/27/25, the day after the refund check was returned unpaid, $7,928.78 left the account again to United Wholesale Mortgage. The 08/27/26 direct dispute asks UWM to explain that transaction and what obligation it was credited to; no answer has been received.

The entry dated 06/17/25 cited a UWM statement of that date restating January through April 2025 as fully paid on 06/09 and moving the delinquency date to 05/01/25. No statement of 06/17/25 is in the file, and the entry should not have asserted one.

What the documents do show, without that statement: the 04/17/25 and 05/19/25 statements each carry a Delinquency Notice stating a delinquency date of 01/01/25. The 06/09/25 statement carries no Delinquency Notice at all. The 06/25/25 statement shows Past Due Amount $0.00. The change is visible as the disappearance of a panel, which is weaker evidence than a restatement printed in words, and is published here as what it is.

If UWM produces the payment-application history demanded in items 1, 2 and 10 of the 08/27/26 direct dispute, this entry can be superseded again by what that history says.

The entry for 08/27/2026 was published as "Six packets filed by certified mail." Four were. The two regulator filings went through the agencies' own upload portals the same day, which is the method each agency prefers.

| Recipient | Method | Identifier | |---|---|---| | United Wholesale Mortgage | Certified mail | receipt postmarked 08/27/2026 | | Experian | Certified mail | 9589 0710 5270 3993 4189 10 | | Equifax | Certified mail | 9589 0710 5270 3993 4189 27 | | TransUnion | Certified mail | receipt postmarked 08/27/2026 | | Consumer Financial Protection Bureau | Portal upload | complaint 260827-37597945 | | California Department of Financial Protection and Innovation | Portal upload | complaint CN0050786 |

The CFPB confirmation email is timestamped 08/27/2026 and names the attachment "05_FINAL_CFPB_UWM_Complaint2-signed-COMPLETE.pdf (3.9 MB)" — the same signed packet that went to the others. The DFPI confirmation email of the same date gives Complaint ID CN0050786.

Six packets were filed on 08/27/2026. Four of them were mailed.

CFPB, complaint 260827-37597945. Status OPEN. Last status entry: "Company response is in progress as of 9/9/2026." A final response is due within 60 days of 08/27/2026 under the Bureau's stated process.

California DFPI, complaint CN0050786. Status Submitted, unchanged since 08/27/2026. The portal shows one complaint, one submission date, and an Upload Document control. No status entry has been added in 42 days.

Neither agency has made a determination. A filed complaint is not a finding, and nothing on this page should be read as one.