Consumer complaint received 2021-10-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
REGARDING MY EXPERIAN CREDIT REPORT BUT, MYSELF AND WIFE 'S CREDIT REPORTS ARE EXTREMELY DAMAGED DUE TO 1. WRONGFUL ILLEGAL FORECLOSURE WHICH WAS THEFT. WE NEVER RECEIVE LOANS FOR ANY OF OUR PROPERTIES, OUR INFORMATION WAS USED BY ATTORNIES AND OTHERS FOR GHOST MORTGAGES, WE NEVER RECEIVED A LOANS FOR REFINANCE AS WELL FOR ANY OF OUR PERSONAL PROPERTIES. 

2. MY WIFE HAS SUBMITTED DOCUMENTS TO EXPERIAN WHICH, SERVES AS EVIDENCE OF ID THEFT/FRAUD AND EVIDENCE SOMEONE INTERNALLY AT THE XXXX IS WORKING WITH XXXX  TO MODIFY OUR REPORTS TO DAMAGE OUR CREDIT EVEN MORE. THANK GOD WE HAVE ALL OF OUR OLD XXXX REPORTS. 

3. THE CB HAS ENOUGH EVIDENCE TO DELETE THE INACCURATE INFORMATION BASED ON SUBMITTED EVIDENCE. WE HAVE SUBMITTED PROOF OF IDENTIFY THEFT WHICH, HAS CREATED MORTGAGE FRAUD AND MORE, WE EVEN HAVE IRS FRAUD.

4, MY WIFE FILED BR IN THE US BRC OF XXXX GA ON XX/XX/XXXX XXXX AND WAS NEVER NOTIFIED OF HER STATUS AFTER THE JUDGE AGREED TO PAY ALL HER MONEY TO THE TRUSTEE AND HIS ATTORNEY FOR FRAUDULENT CLAIMS. WE ALL KNOW HOW THAT WORK. THOSE WHO FILED CLAIMS ARE FRIENDS OF THE TRUSTEE, JUDGE ETC. THEY ALL COLLECTED OVER XXXX. 
FROM MY WIFE. 

5. THE JUDGE WOULD NOT APPROVE ANY LEVEL OF FRAUD INVESTIGATION PERTAINING TO ANY OF OUR PROPERTIES. HER GOAL WAS TO WORK WITH THE TRUSTEE AND HIS ATTORNEY TO TAKE ALL PROPERTIES AWAY AND SALE IT TO THEIR FRIENDS. THE CHIEF JUDGE XXXX XXXX BASICALLY, INFORMED MY WIFE THE CREDITORS HAD TO BE PAID REGARDLESS, OF THEIR WAS FRAUD, SHE ATTEMPTED TO COERCE OVER XXXX FROM US AND STATED IT WOULD SIT IN A TRUST UNTIL THEY DECIDED TO INVESITGATE. MY WIFE HAD NO OPTION BUT, TO CONVERT TO CHAPTHER XXXX FROM CHAPTER XXXX. 

6, XXXX XXXX XXXX CHAPTER XXXX SOLD ALL OF OUR PROPERTY TO HIS COLLEAGUES AND COLLECTED THROUGH THE BACK DOOR. HE ABANDONED THE PROPERTIES AND INSTRUCTED THE ATTORNEYS TO FILE FOR A CONTESTED MATTER AND THE JUDGE XXXX XXXX XXXX LIFTED THE AUTOMATIC STAY. THIS WAS TO MAKE IT APPEAR ALL PROPERTIES WERE BEING FORECLOSED ON IMMEDIATELY, 7. REGARDLESS, OF THE LIFT OF STAY MY WIFE WAS STILL UNDER BANKRUPTCY AND THE PROPERTIES WERE NOT RETURNED TO US. ALL PROPERTIES WERE ABANDONED TO MAKE IT APPEAR THE TRUSTEE WAS NOT INVOLVED BUT, HE WAS. HE USED OTHERS AS CATALYSTS TO STEAL MONEY.

8. I FILED BANKRUPTCY IN XX/XX/XXXX IN ORDER TO ATTEMPT TO SAVE THE LAST PROPERTY, WE THOUGHT HOWEVER, I WAS JUST ANOTHER TOOL FOR THE XXXX TO USE IN ORDER TO COMPLETE THEIR DIRTY WORK, 9. MY CHAPTER XXXX CASE WAS DISMISSED DUE TO SUPPOSELY FILING MY CC CERTIFICATE LATE HOWEVER, WHEN YOU REVIEW THE LETTER IT READS DIFFERENTLY AS IF THERE WAS A DISCHARGE. FURTHER MORE IT IS BEING REPORTED ON MY CR DEBTS WERE SETTLED AND PAID FROM MY CHAPTER XXXX BR ACCOUNT, MY BANKRUPTCY WAS NEVER CONFIRMED BUT, DISMISSED. 

10. THIS INFORMATION IS TOTALLY INCORRECT. THEY REFERRED TO MY CASE AS BEING MORE OF A DISCHARGE RATHER THAN A DISMISSAL WHICH, IS DAMAGING MY CREDIT SEVERLY. MY CREDIT REPORT WAS LOCKED TO PROVENT ME FROM PLACING A PERSONAL STATEMENT ON IT. 

MY WIFE CAN NOT OBTAIN THE STATUS OF HER XXXX  CASE STATUS DUE TO BEING LOCKED OUT OF PACER AND NO ONE WILL PROVIDE INFORMATION REGARDING, HER CASE. NO WRITTEN COMMUNICATION HAS BEEN RECEIVED AND HER CREDIT CONTINUES TO SUFFER AS WELL. SHE'S CONSTANTLY PROVIDES PROOF TO THE XXXX DAILY OF MISREPORTED CREDIT REPORTING. WE KNOW THEY ARE WORKING WITH THE XXXX TO SABOTAGE US FOR REPORTING THEIR WRONG DOINGS, THE INFORMATION ON MY CR REGARDING THE XXXX FILING NEEDS TO BE REMOVED. GIVEN. THE PROPERTIES WERE ABANDONED AND APPROVED ABANDONMENT BY THE JUDGE WAS GIVEN, MY WIFE IS STILL UNDER XXXX THE AUTOMATIC STAY WAS VIOLATED BEFORE ABANDONMENT AND THE LIFT OF STAY REGARDING ALL PROPETIES. UNTIL SHE IS DISCHARGED THE CREDITORS CAN NOT VIOLATE THE AUTOMATIC STAYS. AGAIN, SHE HAS NOT BEEN NOTIFIED HOWEVER, XXXX HAS PLACED ON OUR XXXX ; S WE ARE 180 DAYS ON A MORTGAGE IN THE CURRENT HOUSE WERE ARE HOUSED IN. AGAIN, WE NEVER RECEIVED ANY LOANS, OUR NAMES WERE FORGED AND LIFTED, XXXX  IS DIFFENTLY A PART OF THE XXXXXXXX XXXX. 


PROPERTIES TAKEN : XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXXXXXX XXXXL XXXX XXXX XXXX  XXXX XXXX XXXX WHICH MY WIFE ; XXXX XXXX XXXX PAID CASH FOR AND LATER SHE UNCOVERED HE LEASED THE BUILDING AND STOLE THE MONEY. 

XXXX XXXX AT XXXX XXXX XXXX WHICH WAS FINANCED BY A SBA LOAN. THIS ALSO WAS UNCOVERED BY MY WIFE HER EX BUSINESS PARTNER NOT ONLY USED HER TO OBTAIN ONE LOAN BUT, HE TOOK OUT ADDITIONAL SBA LOANS AND PURCHASE RESIDENTIAL AND COMMERICAL PROPERTIES AND WORKED WITH OTHERS SUCH AS BROKERS AND STOLE THE MONEY, THIS IS WHY HE LEFT ABRUPTY, HIS NAME WAS XXXX XXXX, XXXX LOCATED IN XXXX GA, HE ESTABLISHED HIDDEN ACCOUNTS, YES, THERE'S PROOF, I REPORTED EVERYTHING I KNEW AT THE TIME TO THE PROPER AUTHORITIES, EACH SUITE IN THE BUILDING WAS SOLD AS A BUILDING FOR OVER XXXX AND XXXX COUNTY TAX ASSESSOR TAXED EACH XXXX XXXX XXXX. MY WIFE 'S UNCOVERED THIS AS WELL. 

THERE WERE APPROXIMATELY 6 SUITES IN EACH BUILDING BOTH COMMERCIAL BUILDINGS ARE LOCATED AT XXXXXXXX XXXX XXXXXXXX, XXXX GA XXXX.

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 non-monetary relief