Consumer complaint received 2019-06-09
Company: Experian Information Solutions Inc.
State: NV
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:
ALERT : FRAUDULENT ACCOUNT ON CREDIT REPORT POINTS OF AUTHORITIES On XX/XX/XXXX i noticed an email from XXXX XXXX with notification of a XXXX DBA XXXX XXXX account being opened alleged to have a contract or debt with me. i do not have a XXXX DBA XXXX XXXX account. i do not know who XXXX DBA XXXX XXXX is, i have never spoken to XXXX DBA XXXX XXXX and XXXX DBA XXXX XXXX has never contacted me. When i went through my credit report i saw that this was under Mortgage and was added to my report between XX/XX/XXXX and XX/XX/XXXX but the account was open on XX/XX/XXXX. There are several issues with this dates. i purchased property on XX/XX/XXXX XXXX DBA XXXX XXXX was not present and XXXX DBA XXXX XXXX did not have and still does not have any authority/connection/part/ownership/claim to my property. Furthermore the note was signed on XX/XX/XXXX and by law it must be recorded and reported to the credit bureaus within thirty ( 30 ) days. The note is suppose to be recorded and reported at the same time. If it is not reported to the credit bureaus within thirty days ( XX/XX/XXXX ) which it was not then the account is now nullified and fraudulent. On XX/XX/XXXX i filed a police report for identity theft reference number XXXX. i also noticed on XX/XX/XXXX that XXXX DBA XXXX XXXX attached itself to a payment connected to my property. 

On MERS which is where I believe my information was stolen from because anyone with a username and a password can acquire my property information and edit the information as they please now states that the servicer is XXXX XXXX XXXX but when i click on the link it took me to a XXXX XXXX website all lowercase lettering. By presenting themselves in lowercase lettering they are now identifying as a human being of flesh and blood. So which one is it? Is this a corporation or is this a man? What name does this company fall under because XXXX XXXX states XXXX DBA XXXX XXXX, Experian states XXXX/XXXX XXXX, XXXX  states XXXX XXXX  XXXX, MERS states XXXX XXXX XXXX, and the website states XXXX XXXX. Additionally the address presented by XXXX XXXX XXXX and XXXX XXXX website does not correlate with the address seen on MERS. According to mr.cooper website the locations of this company/corporation is XXXX, Tx or XXXX, TX. However MERS has the city and state as XXXX, TX. Experian also has XXXX/XXXX  located in XXXX, TX. The phone numbers are also different in Experian the phone number is ( XXXX ) XXXX while in MERS and XXXX XXXX website has a phone number of XXXX XXXX XXXX , XXXX XXXX  XXXX , XXXX DBA XXXX XXXX whatever multi named corporation this is has by force implemented themselves into my property. And they did so inconsistently with different names, different address, and different phone numbers. They went into MERS and changed my information, they contacted the credit bureaus and changed my information, and they attempted to hack and redirect property payments. All of this was done without me being notified and without my consent. For i, XXXX XXXX XXXX, woman of flesh and blood, XXXX  XXXX XXXX signed all of my documents without recourse. 

If XXXX XXXX, XXXX XXXX XXXX, XXXX DBA XXXX XXXX has any form of lawful connection to my property then according to the Fair Debt Collection Practice Act any business taking on my information must identity themselves and present me with a point of contact which they have not done. Yet instead they created fraudulent documents and forged my signature and are working within the shadows to steal my property. If it were not for me taking initiative and checking my credit report i would not even know this was going on. 

On XXXX which is connected to my XXXX  account under XXXX XXXX  XXXX It shows property address as XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX property Use : Primary residence Property Type : Single Family Home, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX is not my primary residence and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX is not a single family home but a apartment complex or condo. It also states that the total monthly payment is {$1300.00} but on Experian it states that the monthly payment is {$1700.00}. 

XXXX XXXX XXXX was fined by the CFPB for $ XXXX for violating the Home Mortgage Disclosure Act ( HMDA ) by consistently failing to report accurate data about mortgage transactions for XXXX to XXXX. The inconsistencies present within my information shows XXXX DBA XXXX XXXX has taken no action to remedy the affects of the XXXX to XXXX HDMA violations. And XXXX DBA XXXX XXXX continues to violate the HDMA. 

Identifying Information i, XXXX XXXX XXXX, woman of flesh and blood, beneficiary to the account XXXX XXXX XXXX ssn : XXXX dob : XX/XX/XXXX previous address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX [ zip code exempt ] current living address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX [ zip code exempt ], current mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX [ zip code exempt ]

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