I have yet to read a transcript where ANY bank witness has personally entered the homeowner information into the computer. With the unlimited access, both at the keyboard and behind the curtain, any information can and is many time corrupted and unaccountable. We know MERS was inaccurate and given a clear picture of the operation of a servicers’ platform – meaning depose the company IT manager or minion – you’ll find out how many breakdowns, changes and patches the systems encounter. Is the data accurate? Highly unlikely – and more likely to have experienced a few glitches over the years.