ServiceMac, LLC is a mortgage subservicer based in Fort Mill, South Carolina, and part of the First American family of companies, which acquired it in October 2021. A subservicer handles the day-to-day servicing of mortgages for the companies that own the servicing rights, so your mortgage may be owned by one company but billed, and reported to the credit bureaus, by ServiceMac. If it is reported wrong, such as a late payment you made on time, a balance after a sale or payoff, or a past-due amount on a mortgage discharged in bankruptcy, you can dispute it under the Fair Credit Reporting Act.
What consumers have alleged
In a 2026 federal case in Florida (Moore v. Equifax Information Services, LLC, M.D. Fla. No. 3:26-cv-01577), the consumer alleges that his Chapter 7 discharge in May 2025 ended his personal liability on a mortgage serviced by ServiceMac that he had surrendered in the bankruptcy, yet the account was still reported as more than 120 days past due, with a balance of $359,436, a past-due amount of $54,869 and no note of the discharge. He alleges that after he disputed, ServiceMac repeatedly verified the information instead of reasonably investigating it. These are allegations in a complaint, not findings.
How to dispute a ServiceMac mortgage on your credit report
- Get all three reports and note exactly how each bureau shows the account: the balance, the status, every month marked late, and whether a bankruptcy discharge is shown.
- Dispute in writing with each bureau that shows the error, and include your proof, such as bank statements showing on-time payments, a payoff or sale statement, a loan modification or forbearance agreement, or your bankruptcy discharge order. The bureau must reinvestigate, generally within 30 days (15 U.S.C. § 1681i), and must pass your dispute to the company that reported the account.
- The furnisher must then investigate and correct or delete what it cannot verify (§ 1681s-2(b)). You can also dispute directly with ServiceMac in writing; for most account information the federal rule requires a reasonable investigation of a direct dispute (12 C.F.R. § 1022.43).
- Send the servicer a written notice of error. For 60 days after a mortgage servicer receives one, it may not report adverse information to any credit bureau about the payment you dispute (12 U.S.C. § 2605(e)(3); 12 C.F.R. § 1024.35(i)).
- If the error comes back “verified” and you have been denied credit, a refinance or housing, or charged more, you may have a claim. Keep every letter and every response.
Talk to a lawyer about a mortgage reporting error
If a dispute did not fix the error, a credit report lawyer can review whether ServiceMac or a bureau broke the Fair Credit Reporting Act. The FCRA makes the company that violated it pay your attorney’s fees (§§ 1681n, 1681o), so our case review is free and you pay nothing unless we win. See also discharged debt still on your credit report, Onity (PHH Mortgage) on your credit report and our list of mortgage servicers.
Admitted in Pennsylvania and New Jersey; available to appear pro hac vice in other federal courts.
Common questions
Why is ServiceMac on my credit report instead of my lender?
ServiceMac is a subservicer. It handles billing and payments for the companies that own mortgage servicing rights, so a mortgage you took out with one lender can be serviced, and reported, by ServiceMac.
Can I sue ServiceMac for reporting wrong information?
If you disputed the error with a credit bureau and ServiceMac failed to investigate it reasonably or kept reporting information it could not verify, you may have a claim under 15 U.S.C. § 1681s-2(b), with damages and attorney’s fees under §§ 1681n and 1681o.
Will a lawyer cost me anything?
No. The FCRA makes the company that violated it pay your reasonable attorney’s fees, so our case review is free and you pay nothing unless we win.