Consumer complaint received 2020-10-06
Company: Shellpoint Partners, LLC
State: AZ
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:
I have been fighting with XXXX for several years. The dates are extensive. But I do have documentation. During a divorce, there were legal quick deed papers filed in a court of law to remove any financial application or financial gain from a property located at XXXX XXXX XXXX, XXXX, NC XXXX. I have submitted my divorce papers, the legal quit deed papers filed in XXXX County, my new marriage certificate, my drivers license, my Social Security card everything they have asked. Multiple multiple times. I worked with Ditech, now NewRez Directly and they have indicated that there was fraudulent activity and have been unable to provide a single document with my proven signature on it. Because it doesnt exist. Over 20 years ago when my ex husband purchased this property, he was allowed to sign my name at XXXX  XXXX  XXXX. This is not my signature and he did not have my authorization. During our divorce in 2009, The lawyer additionally filed a quick deed alleviating me from any legal ties to this property. There were other properties as well but for some reason this is the only one that the credit company refuses to remove. I have jump through hoops and have submitted documents so many times that its exhausting. The company refuses to move my name unless my ex-husband refinances. And because he is unable to do that I am being held hostage. For 10 years. This is not my debt. I have submitted all the required paperwork to the company and to XXXX  on at least six different occasions throughout the last six years. Each time with the promise of resolving it and each time they deny it. It feels like Im being harassed and it feels like they are not following their own guidelines. Each time they send me a generic form letter saying that a divorce doesnt alleviate me and the property would need to be refinanced. I have explained repeatedly that I can not force a refinance on behalf of somebody else, and furthermore, the quick deed filed legally in a court of law in XXXX county is my reason for citing removal of this property. I was going to hire a lawyer but there is a timeframe that has been exceeded. I need to get this resolved. As I mentioned this is holding me hostage and tarnishing my credit. I am not even able to purchase another house, we had to put it in my husbands name only. And I have lost job offers and been denied credit because of this mistake. XXXX  is failing to do there job by not removing my name from this debt. This is not my debt. As I mentioned it I have proven it over and over and over. I am willing to provide all of the documentation of need but it is very extensive. Bottom line, I am being punished for a debt that is not mine, and I have provided legal documentation proving it. XXXX  continues to harass me and ignore me even though I have met with all the compliance requested. Due to the enormous amount of time that I have already spent I am unable to upload all the documents right now but I do have them and I am willing to provide them if needed. Even if that means in a court of law.

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