Consumer complaint received 2022-07-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan Servicing , LLC is not reporting accurate data. 1st liens and 2nd liens are not considered ONE lien. This is why the original creditor reported it as 2 separate liens. Number 2. you are charging more interest with a higher amount due as of why I have a balance increase data on my credit report because of the 2 liens combined. The more the balance, the more my payments should be, but my payments are fixed. My payment amount thats geared to my principal balance is not adding up because its more than my principal balance, do you understand the fraudulent reporting? No where is the second lien does it states its a part of my principal balance and you have caused damages to my pursuit to my happiness. Number 3. Who gave you permission to obtain that document/ data about any of my transactions that you have attached as a response to my complaint? You provided a document where I do not see your company name on it nor did you have my consent. Thats identity theft and unauthorized. So you do not understand what identity theft consist of and what makes transactions and accounts unauthorized. 

Take Notice per Certified Mail # XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : I recently received a copy of my credit reported I see you have reported an account on all three major Consumer Reporting Agencies that I did not give you permission to report, NO PERMISSIBLE PURPOSE, you did not disclose to me that I can opt out of having my information reported, and I am writing you to EXERCISE THAT RIGHT. 
XXXX : XXXX : XXXX : It is my understanding that the reporting of these account is a violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 


I am writing in regard to the above-referenced account that was an authorization and approval of a specific extension of credit directly to me ( XXXX XXXX ).

According to the Fair Credit Reporting Act 15 USC 1681a 2 ( B ) this account is not included in a consumer report. 
You have reported this account to my consumer report which is a clear violation of the law. 

I Demand the deletion of this account from my consumer reports immediately. 

You are put on notice of the matter and the continuation of reporting this account after you have been put on notice will leave me no choice but to take legal action for willful noncompliance under the civil liability section of the FCRA 15 USC 1681n and the TILA 15 USC 1601.

I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 00 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. 
( b ) OPT OUT ( 1 ) IN XXXX financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

( Lakeview Loan Servicing , LLC ) did not disclose this information to me that is required by federal law. 
( Lakeview Loan Servicing , LLC ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. 
( Lakeview Loan Servicing , LLC ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.

You are in violations of several federal laws you have XXXX calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. 

Should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. 
15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, XXXX, religion, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.

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