Consumer complaint received 2021-03-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
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:
My name is XXXX XXXX. I have submitted many complaints regarding ID Theft, Mortgage Fraud and Bankruptcy Issues. Both myself and my Husband the Co-Debtor sought out to the XXXX XXXX XXXX  XXXX XXXX as a resource to obtain assistance with both Residential Mortgage Fraud and also after my business partner abandoned the mental health agencies owned by us I was forced to buy him out. Also the level of retaliation against me was very strange. I began to investigate which led to uncovering excessive Mortgage fraud on my personal properties. I filed Bankruptcy in XX/XX/XXXX my business partner abandoned the agency in XX/XX/XXXX despite what he notated. I was forced to represent myself Pro Se due to attorney 's being told not to take my case on. All properties were abandoned by the Chapter XXXX Trustee and no investigation was completed. I have researched my situation for approximately 5 years and the XXXX  Trustee and his court ordered Legal Counsel and others have violated me in every way possible. I was in Chapter XXXX, but was basically informed all mortgageswere required to be paid until it was decided they would be investigated? XXXX XXXXXXXX LRC. I understand the Trustee has the ability to Abandoned Real Property is they are Burdensome. Of course, they are burdensome if you know your colleagues have committed Mortgage Fraud within the case you are assigned to and you in no way want to be apart of a fraud investigation, It's easier to abandon a property and pass it through a third party flow through and collect your profits from the creditor. But, you leave the fraudulent loans in the hands of the Debtor who is once again the VICTIM! We can not file taxes due to IRS/ID Theft and also because one of the Fraudulent Mortgage Companies has sent both myself any my spouse 1099-C 's. One for myself and one for him AFTER the receipt of a letter regarding a release of Lien, Select Portfolio Servicing. This is just one aspect. All of the secured properties have been liquidated without a validation of debt and now this. In closing we do not own this money. This is not our loan. We were under the impression we received loans to purchase properties only to find our information to obtain loans for others to pocket. Further, the titles were clouded PRIOR to the purchase of each home and our credit, was damaged and money stolen. SPS needs to fix this issue, We have reached out to them and received no response. We are totally traumatized as we are basically transient in addition, to being exposed with COVID which is still a healing process. The number of loans taken against this home utilizing our credit is unbelievable. Basically, we. were renting every property we thought we owned, New Fraudulent Deeds are being created every second whenever there is a Fraudulent Foreclosure AKA Non-judicial. I am an XXXX female who is painted to be disruptive and have no standing in the court due to me serving a STRONG AND DETERMINED voice knowing what is being done to both myself and Spouse, No I am not an Attorney by for, but trust and believe it doesn't take a rocket scientist to figure this out! 
In closing, I received an order on XXXX from the presiding XXXX XXXXdge stating the Trustee abandoned referenced home on XXXX, however it was XXXX ( Refer to Item 155 ) on Bankruptcy Activity Docket XXXXXXXX XXXX  Also, the home was sold twice due to the Trustee putting the incorrect address on his Trustee ; s Report date for XX/XX/XXXX, The home was referred to as XXXX XXXX XXXX XXXX, XXXX Ga XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation