Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: CA
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:
Consumer Financial Protection Bureau Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IA XXXX Washington, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX First XXXX XXXX. XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX XXXX XXXX New York NY XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Floor New York NY XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Account # XXXX Alleged Balance $ {$460000.00} up to {$500000.00} NOTICE : Filing on behalf of XXXX XXXX XXXX XXXX Mortgage XXXX, XXXX, XXXX illegally used my identity to create a Mortgage and said Instrument. The banks have hindered me from renting selling my property and have disrupted my quality of life for the past 7-10 years. The substantiated evidence and facts therein has been given to XXXX aka the alleged owner and investor of said loan on multiple occasions. XXXX stated to me for years that they are the owner of such a loan. I did not give none of the banks involved permission to use my Social Security nor my identity to obtain such a loan. I do not have a credit history with XXXX Mortgage XXXX XXXX nor with XXXX XXXX as well mention. I have communicated with multiple agencies to investigate this alleged mortgage and find that they credit agencies have removed this alleged loan from my history in full. Several Years ago I and my husband have filled this same complaint with the CFPB and no results so far this is why I and my husband are requesting that this be placed in the hands of the US Attorney General for legal due process. A XXXX and XXXX XXXX Report has been produced within the past two years and has shown multiple issues therein. XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX placed a Corporate Mortgage lien on my property which is 10 years later that the alleged acquisition they the banks alleged to have taken place on XXXX XXXX, XXXX another date given by banks is XXXX XXXX and again XXXX XXXX. XXXX XXXX, XXXX I and my husband filed a lawsuit against THE XXXX XXXX XXXX XXXX and it was later dismissed XXXX XXXX, XXXX for lack of personal jurisdiction therefore without the Bank providing any proof or legal connection to my property I and my husband are preparing to file within the proper jurisdiction against said person in the near future if this is not resolved within the next XXXX 30 days. XXXX LATEST RESPONSES As of XXXX XXXX, XXXX XXXX mailed a letter requesting permission to release private information they should not be privy too nor where given permission to have to release this information to XXXX XXXX agencies. How can we allow this bank XXXX XXXX to release such personal and private information that was never given to them by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX Mortgage XXXX and all other dealings including titles, TRUST, and other forged documents thereon my property and stop harassment with my private and personal identity asap. XXXX Mortgage XXXX on my private and personal name and property with the next 30 days. A lawsuit Claim shall be filed thereafter this dispute has not been satisfied in the eyes of private citizens XXXX XXXX XXXX and husband XXXX XXXX XXXX. Transfer Documents and claim complaint to XXXX DOJ for permission to file federal law suit. request from the FDIC for insured banking instrument information concerning loan. IDENTITY THEFT Due to the fact that identity theft is tied to payoff and investments made on the behalf of my husband XXXX XXXX XXXX with XXXX XXXX Co the complaint shall be in XXXX parts with each position of each bank involved with full reports therein. That of XXXX. XXXX XXXX Bank XXXX, XXXX aka XXXX XXXX Bank now XXXX allegedly by XXXX XXXX XXXX XXXX, XXXX. XXXX Mortgage XXXX, XXXX XXXX XXXX Funding, now acquired allegedly by XXXX XXXX Bank as of XXXX - XXXX, XXXX. XXXX XXXX XXXX XXXX allegedly acquired by XXXX XXXX Bank XXXX, for the missing CUSIP and Investments by said investor XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX HISTORY OF DISPUTE WITH BANKS On XXXX XXXX, XXXX I purchased XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX CA XXXX jam the original owner and the first owner of my home and private property. On XXXX XXXX, XXXX my home was paid in full Cc letter from XXXX mortgage payoff dept. This loan was not reassigned not was there a new servicer nor any other banking details just PAID IN FULL PAID OFF. This came about when my husband had secured a multimillion dollar investment deal with XXXX XXXX Co. The amount owed to him as of XXXX XXXX, XXXX was {>= $1,000,000} USDA for this was an investment BOND for {>= $1,000,000} that was for his clothing company XXXX XXXX XXXX. XXXX XXXX XXXX Mortgage attempted to trick us into a refinance for {$510000.00} once the good faith estimate was done the deal began to change to a basic refinance to a arm balloon deal and the offer for {$510000.00} was changed to {$460000.00} by XXXX Mortgage XXXX. Thereafter we decided not to do a refinance and just keep the loan we had with XXXX Mortgage TX. So on XXXX XXXX, XXXX XXXX and my husband signed the right to cancel document only and placed a copy in the mail as well faxed and delivered a copy of the XXXX or rescission documents stating that we had XXXX hours to cancel and we did within XXXX hours. XXXX XXXX of XXXX Mortgage XXXX XXXX XXXX XXXX Funding sent confirmation letter that the right to cancel was excepted on XXXX XXXX, XXXX, as well that there was not hard hits on our credit reports. For at the time i and my husband was very concerned because we where rebuilding our credit scores which fell below 550 ratings. We received the letter on thereafter XXXX XXXX, XXXX with this date and it was mailed XXXX metered mail with tracking and we kept both the letter and the envelope. I continued paying XXXX mortgage until XXXX XXXX, XXXX received the payoff notice paid in full. As of XXXX XXXX XXXX to XXXX XXXX XXXX began calling and harassing my family friends in other states and as well my neighbors stating that we did n't pay our bills and a list of other lies which did and was embarrassing at the time. XXXX claimed that they where the owner of the note or mortgage rather they never placed a mortgage assignment on the property, nor was there any written notice that they acquired servicing rights or note! they also claimed that they the investor was XXXX located in North Carolina but we spoke with and received a letter via email that this was a fraud discovered by the FTC in XXXX. They later then changed the alleged Investor information to a XXXX XXXX. XXXX XXXX XXXX XXXX XXXX also began stating that they owned the mortgage note and stated on XXXX occasions that they acquired it from XXXX as of XXXX. The first time they stated this they claimed they acquired it XXXX XXXX. Then another statement or letter claimed they XXXX acquired the note on XXXX XXXX and another claim for acquisition by XXXX was for XXXX XXXX sent to me on XXXX XXXX. XXXX different dates which are false. We my husband and i noticed that there where some fraudulent issues being reported, XXXX claimed that i was paying them through XXXX mortgage as of XXXX. This is impossible because I was sending my payments to XXXX mortgage Co located in Texas. No relations to JPMC until XXXX was acquired as of XXXX by XXXX. My husband received notice that a lien was placed upon his name and the house that was not in his name but my name as of XXXX for a XXXX credit card whom XXXX removed the lien XXXX XXXX. Very strange. XXXX XXXX, XXXX XXXX XXXX XXXX former employee of XXXX Mortgage XXXX XXXX and now currently employed by XXXX place a Mortgage Assignment on my property without notice as well on XXXX XXXX, XXXX I was at the local XXXX XXXX County Registrar office to record a document but never saw the Mortgage Assignment as I learned that upon doing a securitization analysis and a XXXX report. There are also over 10 banks breaking chain of title and more please see the XXXX report and the securitization analysis. XXXX XXXX myself and my husband filed a claim against XXXX XXXX XXXX '' XXXX and Chair of JPMC for fraud forgery identity theft and included was the missing USDA Bond for XXXX XXXX XXXX in the amount of $ XXXX XXXX XXXX XXXX USDA. The case was later dismissed for lack of personal jurisdiction. All this information concerning my home i.e. mortgage assignment is false we are requesting permission to file a law XXXX XXXX XXXX XXXX and other banks involved. Please provide us such passage to do so. For they are claiming that we owe them XXXX {$500000.00} as well they have extorted me for more than {$140000.00}. Pain and suffering and more. XXXX XXXX Co Bank XXXX and such the like of a mortgage company has yet to provide any proof of this alleged mortgage assignment nor of any real living agreement or transfer of funds for said loan. No invoice or bank check for proof of funding just a forged note. STEPS TAKEN Multiple attempts for proof of NOTE MORTGAGE AND PAYMENT INFORMATION has been requested by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX with payoff and discharged options. This information was sent to the XXXX XXXX XXXX and their payoff departments as well their legal representative XXXX XXXX XXXX writes a blog for the CFPB. Rather ignored by all parties [ the banks XXXX involved. Attached are all documents provided by the Halls or XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as discharged charge off and payoff information that is deemed legal, without recourse.

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