Yesterday, I noted that at least one Homeowner had made a “wheresthenote.com” Mortgage Note request, only to see Bank of America report the request as a dispute to the credit agencies, knocking 40 points off his FICO score. If these facts check out, that is a violation of the Fair Credit reporting act, and possibly other state and local laws.
As it turns out Wheresthenote.com has received numerous complaints about this. Their response has been to set up a form to file a complaint to your State Attorney General about illegal bank intimidation. [Source]