Consumer complaint received 2018-10-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Debt Disputed and needs to be removed from credit reports. 

On XX/XX/2018 i had requested information concerning a purchase of a home to make sure the funds where wired and the proper information was included therein. I entered had done the purchase of the property with a corporation called XXXX XXXX XXXX located in XXXX NV. Whereas i XXXX XXXX XXXX a woman sat with said person [ s ] at their office on or about XXXX XXXX i never met or done any purchases with the alleged new claimed lenders such as XXXX XXXX and or XXXX XXXX. When i requested the information regarding the alleged loan note mortgage and deed from the two companies they failed to respond as requested and according to our contract i sent to them on XX/XX/2018. 

They began playing games, at XXXX XXXX XXXX XXXX located in XXXX XXXX CA claimed to be the lender and Not XXXX XXXX XXXX whereas i never met with anyone from XXXX XXXX the same for XXXX XXXX, i never met nor contracted with them. They have fraudulently created a security in my name and once i disputed the debt they sent letters threatening me but never validating nor verifying the alleged Deed Trust note and such the like. 

We are not of the same kind nor have we met so how did they create an instrument in my name? A Deed and Trust? When asked they just send the same robotic letter without XXXX XXXX XXXX the CEO and President addressing me personally and therefore this debt is disputed and must be removed from my credit report. 

I asked them what type of payment in what format were they asking for and they failed to respond. In fact XXXX XXXX sent a letter dated for XX/XX/2018 but post marked on [ mail fraud ] XX/XX/2018 alleging that they where the new lender! The NEW LENDER I THOUGHT THAT WAS XXXX XXXX XXXX. In fact when i contacted XXXX XXXX XXXX XXXX located in XXXX they said the purchase was complete and no further cost and debts or such the like would be added accrued etc, ... So how is XXXX XXXX or XXXX XXXX the new Lender? 

i XXXXXXXX XXXX XXXXXXXX have served XXXX XXXX and XXXX XXXX with a cease and desist to allow them time to verify and validate the alleged loan transfer or sale or what ever this is supposed to be in my name. Therefore this loan is disputed and must be properly investigated by Officers such as XXXX XXXX XXXX and not a lower lever employee whom just follows protocol. 

I have a block on my credit report and have not lifted it, so why and how did this get on my report? 

I did not consent to such issues they've created. The issues where never addressed by the person such as the CEO XXXX XXXX XXXX he never responded. The intent was for him to respond not the lower level employees whom do not know anything else but to follow protocol as stated by them. The CEO XXXX XXXX XXXX failed to respond to the verifications and validations of this alleged note loan or what ever it is and therefore this loan has been disputed and they XXXX nor XXXX have never disputed the facts please see the attachment they call a note or Deed. It has multiple issues and I've addressed those issues and they did not stop and correct none of them therefore the alleged debt is disputed a cease and desist was given and they will honor that or i shall file a small claims case. 

I did not address the persons whom responded. Therefore the response is yet to be addressed. XXXX XXXX XXXX the CEO Pres.. never responded and by law he must do the responding and sign off on the documents verifying and validating this alleged loan which in any case it was never done. 

They did not verify nor validate the alleged loan, they continued sending the same letters over and over again. One letter would state we are researching this matter and Bragg about their customer service in the letter, but never addressed the validation nor the verification of this alleged note, nor did they provide a wet signature for thus what was produced looks like forgery, i requested the wet ink in its original format where it would show a certain color, for if i had signed it, it would be color ink not in black. 

The documents they produced i had them professionally analyzed and it came back that they needed to stop and correct these issues but they have failed to do so over the past three months therefore they have defaulted. 

This property is in a ESTATE TRUST and not any other trust or estate without XXXX XXXX XXXX permission or consent for such is theft fraud and such the like.

Company response to consumer: Closed with explanation