Consumer complaint received 2017-07-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Consumer Financial Protection Bureau Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IA XXXX XXXX, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY [ XXXX ] EIN XXXX ( XXXX ) XXXX Account # XXXX Alleged Balance $ {$460000.00} up to {$500000.00} NOTICE : Filing on behalf of XXXX XXXX XXXX XXXX Mortgage XXXX, XXXX, XXXX illegally used my identity to create a Mortgage and said Instrument. The banks have hindered me from renting selling my property and have disrupted my quality of life for the past 7-10 years. The substantiated evidence and facts therein has been given to XXXX aka the alleged owner and investor of said loan on multiple occasions. XXXX stated to me for years that they are the owner of such a loan. I did not give none of the banks involved permission to use my Social Security nor my identity to obtain such a loan. I do not have a credit history with XXXX XXXX XXXX XXXX nor with XXXX XXXX as well mention. I have communicated with multiple agencies to investigate this alleged mortgage and find that they credit agencies have removed this alleged loan from my history in full. Several Years ago I and my husband have filled this same complaint with the CFPB and no results so far this is why I and my husband are requesting that this be placed in the hands of the XXXX Attorney General for legal due process. A Securitization and XXXX XXXX XXXX has been produced within the past two years and has shown multiple issues therein. XX/XX/XXXX XXXX XXXX XXXX employee XXXX XXXX XXXX placed a Corporate Mortgage lien on my property which is 10 years later that the alleged acquisition they the banks alleged to have taken place on XX/XX/XXXX another date given by banks is XX/XX/XXXX and again XX/XX/XXXX. XX/XX/XXXX I and my husband filed a lawsuit against THE CEO CHAIRMAN XXXX XXXX and it was later dismissed XX/XX/XXXX for lack of personal jurisdiction therefore without the Bank providing any proof or legal connection to my property I and my husband are preparing to file within the proper jurisdiction against said person in the near future if this is not resolved within the next 15- 30 days. XXXX LATEST RESPONSES As of XX/XX/XXXX, XXXX XXXX mailed a letter requesting permission to release private information they should not be privy too nor where given permission to have to release this information to third party agencies. How can we allow this bank XXXX XXXX to release such personal and private information that was never given to them by XXXX XXXX XXXX and husband XXXX XXXX XXXX. RESULUTIONS Release Mortgage Assignment and all other dealings including titles, TRUST, and other forged documents thereon my property and stop harassment with my private and personal identity asap. Release Mortgage Lien on my private and personal name and property with the next 30 days. A lawsuit Claim shall be filed thereafter this dispute has not been satisfied in the eyes of private citizens XXXX XXXX XXXX and husband XXXX XXXX XXXX. Transfer Documents and claim complaint to US DOJ for permission to file federal law suit. request from the FDIC for insured banking instrument information concerning loan. IDENTITY THEFT Due to the fact that identity theft is tied to payoff and investments made on the behalf of my husband XXXX XXXX XXXX with XXXX XXXX XXXX the complaint shall be in four parts with each position of each bank involved with full reports therein. That of 1. XXXX XXXX XXXX XXXX, XXXX aka XXXX XXXX XXXX now acquired allegedly by XXXX XXXX in XX/XX/XXXX, 3. XXXX XXXX XXXX, d.b.a XXXX XXXX XXXX, now acquired allegedly by XXXX XXXX XXXX as of XX/XX/XXXX - XX/XX/XXXX, 4. XXXX XXXX XXXX XXXX allegedly acquired by XXXX XXXX XX/XX/XXXX, for the missing CUSIP and Investments by said investor XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. HISTORY OF DISPUTE WITH BANKS On XX/XX/XXXX I purchased may home located at XXXX XXXX XXXX XXXX XXXX CA XXXX jam the original owner and the first owner of my home and private property. On XX/XX/XXXX my home was paid in full Cc letter from XXXX XXXX payoff dept. This loan was not reassigned not was there a new servicer nor any other banking details just PAID IN FULL PAID OFF. This came about when my husband had secured a XXXX dollar investment deal with XXXX XXXX XXXX. The amount owed to him as of XX/XX/XXXX-XX/XX/XXXX was {>= $1,000,000} USDA for this was an investment BOND for {>= $1,000,000} that was for his clothing company XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX attempted to trick us into a refinance for {$510000.00} once the good faith estimate was done the deal began to change to a basic refinance to a arm balloon deal and the offer for {$510000.00} was changed to {$460000.00} by XXXX XXXX XXXX. Thereafter we decided not to do a refinance and just keep the loan we had with XXXX XXXX TX. So on XX/XX/XXXX I and my husband signed the right to cancel document only and placed a copy in the mail as well faxed and delivered a copy of the RTC or rescission documents stating that we had 72 hours to cancel and we did within 24 hours. XXXX XXXX of XXXX XXXX XXXX d.b.a XXXX XXXX XXXX sent confirmation letter that the right to cancel was excepted on XX/XX/XXXX, as well that there was not hard hits on our credit reports. For at the time i and my husband was very concerned because we where rebuilding our credit scores which fell below XXXX ratings. We received the letter on thereafter XX/XX/XXXX with this date and it was mailed USPS metered mail with tracking and we kept both the letter and the envelope. I continued paying XXXX XXXX until XX/XX/XXXX received the payoff notice paid in full. As of XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XXXX began calling and harassing my family friends in other states and as well my neighbors stating that we did n't pay our bills and a list of other lies which did and was embarrassing at the time. XXXX claimed that they where the owner of the note or mortgage rather they never placed a mortgage assignment on the property, nor was there any written notice that they acquired servicing rights or note! they also claimed that they the investor was XXXX located in North Carolina but we spoke with and received a letter via email that this was a fraud discovered by the FTC in XX/XX/XXXX/XX/XX/XXXX. They later then changed the alleged Investor information to a XXXX XX/XX/XXXX. XXXX [ XXXX ] XXXX also began stating that they owned the mortgage note and stated on XXXX occasions that they acquired it from XXXX as of XX/XX/XXXX. The first time they stated this they claimed they acquired it XX/XX/XXXX. Then another statement or letter claimed they XXXX acquired the note on XX/XX/XXXX and another claim for acquisition by XXXX was for XX/XX/XXXX sent to me on XX/XX/XXXX. Three different dates which are false. We my husband and i noticed that there where some fraudulent issues being reported, XXXX claimed that i was paying them through XXXX mortgage as of XXXX. This is impossible because I was sending my payments to XXXX mortgage Co located in Texas. No relations to XXXX until XXXX was acquired as of XX/XX/XXXX by XXXX. My husband received notice that a lien was placed upon his name and the house that was not in his name but my name as of XX/XX/XXXX for a XXXX credit card whom XXXX removed the lien XX/XX/XXXX. Very strange. XX/XX/XXXX XXXX XXXX XXXX former employee of XXXX XXXX XXXX XXXX and now currently employed by XXXX place a Mortgage Assignment on my property without notice as well on XX/XX/XXXX I was at the local XXXX XXXX County Registrar office to record a document but never saw the Mortgage Assignment as I learned that upon doing a securitization analysis and a XXXX XXXX. There are also over XXXX banks breaking chain of title and more please see the XXXX XXXX and the securitization analysis. XX/XX/XXXX myself and my husband filed a claim against XXXX XXXX XXXX '' CEO and Chair of XXXX for fraud forgery identity theft and included was the missing USDA Bond for XXXX XXXX XXXX in the amount of $ XXXX XXXX XXXX XXXX USDA. The case was later dismissed for lack of personal jurisdiction. All this information concerning my home i.e. mortgage assignment is false we are requesting permission to file a law suite against XXXX XXXX and other banks involved. Please provide us such passage to do so. For they are claiming that we owe them XXXX {$500000.00} as well they have extorted me for more than {$140000.00}. Pain and suffering and more. XXXX XXXX XXXX XXXX  XXXX and such the like of a mortgage company has yet to provide any proof of this alleged mortgage assignment nor of any real living agreement or transfer of funds for said loan. No invoice or bank check for proof of funding just a forged note. STEPS TAKEN Multiple attempts for proof of NOTE MORTGAGE AND PAYMENT INFORMATION has been requested by XXXX XXXX XXXX and husband XXXX XXXX XXXX with payoff and discharged options. This information was sent to the CEO Chairman/ CFO and their payoff departments as well their legal representative XXXX XXXX whom writes a blog for the CFPB. Rather ignored by all parties [ the banks ] involved. Attached are all documents provided by the XXXX or XXXX XXXX XXXX and husband XXXX XXXX XXXX as discharged charge off and payoff information that is deemed legal, without recourse.

Company response to consumer: Closed with explanation