Consumer complaint received 2020-04-09
Company: Experian Information Solutions Inc.
State: NY
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:
Please be very meticulous in your investigation please pay close attention to XXXX  fraud ( or deliberate false reporting and the reporting agencies willful blindness to this matter -please ) The credit bureaus are not doing their due diligence about how XXXX  and the mortgage company is listing on my credit reports. I know they can see as well as I and the bank that wants to refinance me away from this modification, that XXXX  IS LISTING WRONG, loan numbers, wrong balances, and out of date reports that have expired. Please help me, XXXX HAS SINGLE HANDEDLY COMPLETELY DAMAGED MY CREDIT REPORTS. 

I really need help. The XXXX XXXX XXXXr ( XXXX  ) continually manipulates my escrow to keep my loan in Jeopardy forcing illegal fees and interest and continually increases my mortgage payment even though my escrow : taxes and insurance, has significantly been reduced. XXXX  is also destroying my credit with erroneous reporting that keeps me from refinancing to a conventional mortgage so I can finally escrow out and just pay the principal and interest that remains the same. XXXX  also has deliberately listed different loan numbers on my credit reporting so a potential refinance bank has to call them to get my information and when this call is made it alerts XXXX  Im trying to refinance away to a conventional bank and mortgage, so before XXXX  gives the potential refinance bank my true loan number, XXXX then quickly, illegally, deliberately and erroneously destroys my credit reports with bad information. 

My mortgage balances are incorrect and need auditing and I now have a balloon because of these illegal dealings that need auditing and are loaded with illegal fees and interest and false taxes from an illegally-handled escrow by XXXX  and I have been in my home for 18 years and my home loan was all good until my original lender XXXX went under. This is when I became further victim to XXXX. 

Please,, I need help out of this mortgage and illegal escrow and out of the grips of this fraudulent slick XXXX and their banks and neglect reporting agencies. 

Can you help me out of my mortgage and credit reporting destroyed by XXXX. Im now XXXX years old and can no longer keep dealing with the dishonesty of XXXX. 

Also, Knowing that I never completed this last modification and knowing there is no contract on this latest modification, I continued to ask XXXX  to produce a contract. For 3-months  XXXX could not. Then when I threatened to contact you DFS. XXXX took a document that had to be notarized for this new modification and fraudulent altered it. XXXX   edited the last page by adding current modification information at the bottom of the page and then edited the very next page that had a notary on it with the remaining new modification information. This is fraud and illegal. 

PLEASE LOOK VERY CLOSELY at THE SPACING ON THESE PAGES. YOU CAN SEE WHERE XXXX ADDED THE INFORMATION AT THE BOTTOM AND THEN ON THE VERY TOP OF THE NEXT PAGE ( documents attached ) Also, XXXX HAS deliberately, erroneously and illegally list my already incorrect ballon amount as {$140000.00} million in addition to my regular mortgage. {$44000.00}. There is no way I owe XXXX XXXX XXXX  THis is illegal and FRAUD Now no bank or refinancing will do business with me. My credit card rates skyrocketed and some canceled and some lowered my credit balances. 

Also, I am a fully licensed insurance agent with a financial security license and I lost my brokerage appointment because it now appears I have dead debt and I can not service or sell to others if my finance is not good. XXXX  took my Income to produce and earn a living and my name and credit worthiness. 

I need relief to my life and quality of living. 

XXXX XXXX XXXX ( They still have all these erroneous loans listed ) Balloon {$150000.00} Listed : {>= $1,000,000}

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 explanation