Consumer complaint received 2020-02-10
Company: UNIVERSAL LENDING CORP.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have plumbing problems to the tune of {$15000.00} ( the amount signed for to fix my problem ). 

At first, prior to letter from XXXX XXXX XXXX  dtd XX/XX/XXXX by phone the Loan processed with a credit score of XXXX. 

Further investigation by XXXX XXXX XXXX  on the letter dtd XX/XX/XXXX denies the request for an increase in the Loan amount from {$500.00} paid in cash to {$15000.00} due to fix of my plumbing problem ; Of course the ground had been dug up new pipes laid ( plastic ) and then comes the denial of the increase in money amount from {$500.00} to {$15000.00}. 

Increase denied due to bogus loan on my account that I am paying in protest monthly pending resolution. 

I've always had to protect my self against the system. This time XXXX/XXXX   here in XXXX claims that they loaned me {$93000.00} in XXXX ; my attorney gave me an 8-page report as to why XXXX/XXXX  is making this claim. 

My documents ( and you have copies ) indicate that this is a fraudulent, scammed debt by XXXX in XXXX. XXXX XXXX forged the debt and she received the money from XXXX XXXX XXXX  in AZ paid by XXXX XXXX XXXX on a forged loan. XXXX opened closed loans and was paid {$88000.00} and I was indebted with the amounts from figures changed from XXXX and XXXX to $ XXXX and $ XXXX. The {$55000.00} was paid to XXXX and I had no debt with them at all. 

Further, I made monthly payments to credit union based on the original application made by XXXX XXXX XXXX XXXX XXXX XXXX brought in by XXXX XXXX whose AD I was applying from. 

This is hard to believe but this actually happened to me because XXXX XXXX of XXXX XXXX host set a trap for an unsuspecting XXXX person back in XXXX. I am a victim of forgery, theft, hacking my computer, changing my records Clerk and Recorder 's Office in the XXXX XXXX. I have told you about this before through XXXX XXXX who was assigned by Congresswoman XXXX XXXX who had XXXX research my complaint. 

The system has failed me. I am now XXXX years old and paying for a debt contrived of monies that I never received directly. XXXX XXXX is the culprit. She has embezzled my account and stolen from me. She was released as Supervisor of the Mortgage Department of XXXX/XXXX  and has disappeared from earth. 

XXXX XXXX, Atty at XXXX/XXXX was not aware of my problem until I filed a complaint against XXXX/XXXX. Atty XXXX subsequently shut down XXXX XXXX who had sent me an email stating that XXXX was paid {$88000.00} as payment for a forged Loan that I had paid down to {$87000.00}? rounded up to $ XXXX. 

I am currently paying {$1200.00} monthly to XXXX/XXXX  on monies that I never received directly ( In order to save my home that was paid for and used as collateral in XXXX ) I had to buy a Reverse Mortgage to the tune of {$15000.00} that I had to borrow due to the Loan being processed as an Adjusted Loan being sold monthly in XXXX for 8 months or more with interest increase monthly which took all of my savings and loomed forth as Foreclosure. I was never late nor did I miss any payments on the forged debt. 

To save my home, I bought through counseling from XXXX, XXXX XXXX who brought in XXXX XXXX of Universal Lending that cost me in borrowed money {$15000.00}. 

I am XXXX years old now and did not plan this for my future and I can not get any help. I need to have this bogus debt erased ; and compensation for the grieving and XXXX XXXX  for 15 years. It is not just. I've been scammed and continue to be. This system supports each other and lies about what has happened. It is one against many. 

XXXX XXXX

Company response to consumer: Closed with explanation