( July 22, 2026, 8:10 AM EDT) -- TRENTON, N.J. — A borrower sued his mortgage lender and credit-reporting agencies in New Jersey federal court, alleging that a Federal Housing Administration (FHA) COVID-19 Recovery Modification plan directing him to make lower mortgage payments for a three-month trial period was deceptive and that the language in his trial plan letter suggested that his loan’s credit-reporting status would remain unchanged or that reporting might be suspended rather than causing “new, escalating derogatory ratings.”...