Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
THIS SECTION also pertains to both XXXX Mortgage ( XXXX XXXX XXXX ) TX and Experian each, without exception or exclusions. Also, the account information on my Credit Report is wrong and missing. I HAVE NO REAL ESTATE DEBTs [ a/k/a Mortgage Debt ] Listed ON MY CREDIT REPORT [ last verified XX/XX/XXXX ]. It seems to fall off at will (? ) [ all I can say it XXXX and that don't stand for XXXX XXXX XXXX  either ]. So, the account transferred from XXXX Mortgage XXXX XXXX XXXX to XXXX Mortgage { which is odd as the prior servicer indicated they were XXXX  Mortgage Residential Loan Servicing and cashed payments made payable to XXXX Mortgage as does this servicer } first noticed by that " new '' servicer on XX/XX/XXXX by a welcome letter having that date thereon at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, having that same Registered Agent as XXXX IL XXXX XXXX XXXX XXXX and NO Registered Agent within Texas, and that letter of XX/XX/XXXX indicates [ I am right ], at least initially until { at least } a collusive fraud began to play out again, wherein on page 3 Escrow Account states " Our records, indicate that you have escrow account for taxes and/or insurance. Your payment amount includes your tax and/or insurance escrow payment. Your current escrow balance is {$230.00} ''. Apparently, the XXXX IL XXXX transferred the loan even-though or although having collected payments for XX/XX/XXXX in XX/XX/XXXX and the pending dispute appearing to be with that XXXX IL servicer ( there is no difference except the address this is corruption and Fraud ( s ) beyond belief ) would probably be better addressed by this newly added collusive entity in TX. 

So we move on - Having reviewed the fraudulent representations made by that XXXX TX branch of " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX [ whatever ] I promptly sent a Certified Return Receipt Requested Demand Letter ( XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  addressing that demand for payment of {$640.00} [ which of course I paid, as the only party to the obligations that presents himself unblemished, and now await a refund of the amount fraudulently billed and bifurcated in my singular payment ] - No response to date has been issued by XXXX of TX to that QWR/NoE and NoP and the return card came back lacking any indication [ printed or signed names ] of who accepted the letter, when it was delivered and/or accepted, nevertheless a chargeback was had from USPS for failure to provide that service paid for. 

So we move on - On XX/XX/XXXX another ten ( 10 ) part letter issued and was sent to that address in XXXX TX [ a previously unknown XXXX  mailing address until the XXXX demand appeared giving that address - previously the XXXX address was assigned one imagines a servicer transfer never happened before with ongoing unanswered XXXX XXXX and XXXX and/or XXXX - what strides we make in corporate XXXX as seen through the eyes of the OCC ] another completely unanswered document written and sent ( cert # XXXX XXXX XXXX XXXX XXXX ) in accordance with RESPA and like all other XXXX governs itself not in accordance with Law but rather as is it's forte, above the Law with no response or party assigned to remedy. 


So again, we move on - XXXX XX/XX/XXXX a follow up letter [ cert # XXXX XXXX XXXX XXXX XXXX ] was sent including four and a half ( 4.5 ) subparts including ( 1 ) Notice of Errors, ( 2 ) XXXX  ( 2b ) reincorporating that QWR sent by cert. mail art # XXXX XXXX XXXX XXXX XXXX delivered XX/XX/XXXX ] ( 3 ) Demand for Production { NoP }, ( 4 ) Demand for misapplied funds {$19.00} for that non-authorized splitting or double posting of singular payment this letter had twelve ( 12 ) specific parts each indicating an ERROR, attachment XXXX XXXX or XXXX. This too has gone UNANSWERED. XXXX  again it does not stand for XXXX XXXX XXXX 

So we move on again- but we can not get past the fact that all XXXX obviously beileves they have no duty or obligation to the terms of the Note, Mortgage or MBS or RESPA for that matter. But wait maybe they've responded but forgot to mail out their response, it that is? Nope more poppy XXXX as RESPA required a timely response something ALWAYS lacking from that XXXX XXXX XXXX run by the former XXXX XXXX who apparently has issues keeping his books and ledgers in order and making mandated SEC Disclosures, so we move on as has XXXX XXXX. Indeed RESPA under my vague recollection mandates a response in 5 days not only a vague response but a person assigned to enable corrections of the problems, this never ever happened in any XXXX XXXX  and now Noticing that XXXX of TX is a XXXX XXXX XXXX affiliate who also has caught that non-responsive disease then it may well be time to serve XXXX XXXX XXXX of XXXX TX and have them join that exclusive party happening in the Third Judicial Circuit XXXX XXXX Florida in that XXXX XXXX XXXX XXXX before the Honorable XXXX XXXX  and my bets are on XXXX XXXX as that attorney of Record assigned by XXXX XXXX XXXX who recently posted new case law out of the 4th Judicial Circuit on what a XXXX is and the resultant attorney 's fees or lack thereof will inevitably reprent XXXX  of TX too. But wait I'm not looking for attorneys fees nor postage JUST WHAT IS RIGHT and none of this is THAT. I see no alternative but to cause process to issue to that Newly Noticed Servicer of XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX inside or alongside that XXXX Bank. So shall it be. I shall be preparing said process again to be served again upon that lone RA XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX surely my Private Investigator will enjoy such a cush job assignment. As we pursue XXXX XXXX XXXX " XXXX '' as well to join this exclusive club or fraudsters. 

So we move on - but wait I still have not received the reimbursement of those tax assessments I paid out of my pocket to XXXX XXXX on XX/XX/XXXX in the sum of {$330.00} and am still owed those funds, after all you or that XXXX XXXX admit to collecting taxes just not paying them also there is thos ematters of coercive insurance being force placed from XXXX OH that the XXXX XXXX XXXX XXXX in FL is persuing based upon more fraudulent assertions by people obviously incapable of reading and understanding the terms and conditions within the Note Mortgage and XXXX, oh my what a party this is gon na be I better order more sweet tea, agreed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation