Consumer complaint received 2019-05-24
Company: Mr. Cooper Group Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX Complaint of Identity Theft and False Impersonation regarding XXXX Tradeline for Nationstar Mortgage Tradeline Account XXXX in XXXX XXXX XXXX Credit File Made to the XXXX XXXX US Attorneys Office at XXXX XXXX XX/XX/XXXX, sent to the Oklahoma Attorney General in response to OK AG REFERRAL NUMBER XXXX, the OKDOCC, the CFPB, and on the Court Record in XXXX XXXX, and reported to the DAs Office, and the FBI, along with XXXX XXXX XXXX XXXX XXXX XXXX. to XXXX XXXX XXXX, XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX, to XXXX XXXX, XXXX XXXX and Mr. XXXX at the OKDOCC, and to be furnished to Congresswoman XXXX office for review and referral to the FTC when an investigation occurs on or after a hearing set in the above stated case XX/XX/XXXX occurs after XXXX XXXX This dispute is not repetitive, meant to harass Nationstar or their Counsel, nor is it a frivolous claim and I am in need of immediate assistance before Nationstar and their Counsel attempt any further action against me to cause me distress or financial or credit scoring damages. 

To whom it may concern and to be filed on the record XX/XX/XXXX in XXXX XXXX as new evidence and to report my identity has been compromised and I have been impersonated to report a false claim of admission of delinquency in a way to disparage me through XXXX credit file on me on Thursday XX/XX/XXXX as I did not call or otherwise contact XXXX  on this date at all. 

I am in a dispute civilly with Nationstar Mortgage LLC dba Mr. Cooper over the justness of and whether an award for attorneys fees based on a Nationstar Motion to Dismiss in XXXX County District Court XXXX XXXX that was sustained on jurisdictional grounds only not based on the merit of my claims against Nationstar Mortgage LLC dba Mr. Cooper is conscionable due to what I believe are currently ongoing breaches of contract not made in an original petition in this case. 

After a case for a claim of default in XX/XX/XXXX, Nationstar overcharged me for interest in breach of my note in adjustable charges under section 4 over charging me but specifically under section 2 in Nationstars increase of my fixed interest without disclosure and Nationstars failure to disclose a XXXX a month increase to my 3 final fixed interest charges after I sold my home and the default claim was null and cured. 

Nationstar failed to refund me for these overcharged interest charges of {$370.00}, except only to give me miscellaneous refund of {$180.00} prior to my knowledge of the interest overcharges and afterward in XX/XX/XXXX forward. 
There is currently a breach of the mortgage in the Oklahoma Universal Mortgages Universal Covenant section 2 in Nationstars failure and refusal to use the required order of payment application that has caused confusion over the last 3 years. 

There is also a previously undisclosed reversal of 8 payments that remain outstanding in charges of {$1800.00} that Nationstars Counsel states is for accounting, but yet the payments are stated to be partial payments unapplied, and this seems to be the cause of repeated patterns of Nationstar reporting that my loan # XXXX is currently past due by 120+ days, that I have only made a partial actual final payment or that I am current tense paying Nationstar under a partial payment agreement causing me to lose now over 400 credit scoring points due to Nationstars actions. 

I am at risk of further damages I believe besides the {$25000.00} in what I believe to be unjust and unconscionable attorneys fees due to ongoing breaches of the contract the {$25000.00} was allegedly allowed under contract and statute, of further damage besides ongoing repeated inaccurate current delinquency being reported to my credit files and loss of credit scores. 

Monday XX/XX/XXXX, I was told by XXXX XXXX XXXX, Counsel for Nationstar Mortgage that in fact Nationstar could not update my XXXX tradeline for Nationstar because XXXX blocked Nationstar from accessing the credit file of mine. I called XXXX, recorded XXXX stating that Nationstar was in no way blocked from updating their own creditor tradeline. 

I emailed the full phone call between XXXX and myself XX/XX/XXXX to Nationstars Counsel to achieve an immediate correction, along with emailing attorney XXXX XXXX at XXXX XXXX XXXX XXXX, and Oklahoma Department of Consumer Credits Administrator XXXX XXXX, Deputy Administrator XXXX XXXX, Examiner Mr. XXXX. 

Thursday XX/XX/XXXX, I called XXXX to see what party corrected my current status at XXXX under the Nationstar Tradeline XX/XX/XXXX, and if the update to the tradeline was to my written XX/XX/XXXX dispute XXXX received on XX/XX/XXXX, to which XXXX said No, it was in response to your XX/XX/XXXX dispute made by phone that your delinquency was caused by delayed insurance payments. 

I disputed to XXXX in two different phone calls Thursday XX/XX/XXXX making this dispute or even calling XXXX  at all XX/XX/XXXX. 

Thursday XX/XX/XXXX, I called XXXX XXXX XXXX, Counsel of Record for Nationstar, and asked Mr. XXXX if he had in fact emailed the recording I forwarded to him XX/XX/XXXX to Nationstar and he stated Yes. 

I believe this action was taken by someone at Nationstar in the small department with access to my account due to litigation, in retaliation against me due to my current filing of a Petition to Vacate the Final Order in XXXX XXXX and due to regulatory complaints made by myself to the OKDOCC and the CFPB, in my effort to seek relief from Nationstars damaging actions. 

XXXX requires more information than just birth date and social security number to allow a consumer to access of their own credit file and make disputes or changes through XXXX, including providing answers to three verification questions derived from information located in the consumers current credit file. 

Unfortunately, I had included my current verified answers to verification questions in the emailed XXXX   recording between XXXX and myself on XX/XX/XXXX to Mr. XXXX on behalf of Nationstar, to attorney XXXX XXXX at XXXX XXXX XXXX XXXX, and Oklahoma Department of Consumer Credits Administrator XXXX XXXX, Deputy Administrator XXXX XXXX, Examiner Mr. XXXX. 

I do not believe Mr. XXXX or anyone at the OKDOCC called and impersonated me on XX/XX/XXXX at XXXX. 

I did not call XXXX Thursday XX/XX/XXXX and someone else did impersonating me and claiming I was delinquent on the Nationstar tradeline, specifically due to a delayed insurance payment, which is impossible as of the date reported of XX/XX/XXXX, because I no longer have title to the home and havent since XX/XX/XXXX, and wouldnt make this claim anyway to anyone much less XXXX. 

I am reporting to each of you that someone accessed my credit file XX/XX/XXXX by impersonating me, made a false credit reporting dispute on my behalf at XXXX XX/XX/XXXX per XXXX, that was adverse in its clear statement stating that I am currently delinquent in my Nationstar account due to a delay in insurance payments on a home I havent owned for 4 years and 10 months. 

I am afraid of further damage to my credit file at XXXX by whomever impersonated me as recorded from XXXX twice to me today XX/XX/XXXX, and who used my verification answers and personal identifiers that were clearly stated in the XX/XX/XXXX emailed recording sent to Nationstar through their Counsel by email XX/XX/XXXX to prove to Nationstars Counsel that in fact XXXX wasnt blocking Nationstar from updating the inaccurate current status as of XX/XX/XXXX as currently 120+ days past due, to access my XXXX Credit File under false pretenses to make a false dispute - on top of my only dispute to XXXX  dated XX/XX/XXXX in a written dispute not ever responded to by Nationstar Mortgage LLC dba Mr. Cooper after my dispute was delivered to this company on my behalf by XXXX . 

XXXX has the XX/XX/XXXX phone dispute I didnt make recorded of another person impersonating me, and I have XXXX stating this occurred twice recorded on XX/XX/XXXX, as evidence this claim is made to me by XXXX and is in XXXX best understanding accurate, and as proof that my extreme concern of identity theft is real, substantiated, and a valid complaint as I am making to each of your agencies. 
Please inform me if your agency can help me immediately, as Im not represented. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX

Company response to consumer: Closed with explanation