Consumer complaint received 2022-12-23
Company: Selene Holdings LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I was alerted by my credit monitoring service of a new loan showing on my credit file with XXXXXXXX XXXX XXXX 
I contacted the Credit Bureaus and placed a fraud alert. I learned that it was a loan modification made by my XXXX using my identity and personal information to get financial benefits, disobeying and ignoring a court order to remove my name from the loan. 
I was unaware of this loan because all the information was sent to XXXX XXXX XXXX XXXX XXXX The new mortgage company used his XXXX XXXX XXXX my mailing address and failed to inform me of this new loan. I lived at the same address for XXXX XXXXXXXX XXXX XXXX his loan modification attorney, and all the documents associated with the loan had my mailing address. As I mentioned, they failed to inform me that a loan modification of {$190000.00} was done in my name. 
The XXXX XXXX had the words XXXX XXXX name from the loan and if XXXX XXXX is not removed from the loan, XXXX XXXX  will be held in contempt. They not only failed to remove it, but did the loan modification in my name in violation of the judges order. 

I have not seen or had contact with my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
I was advised by the Credit Bureaus to file a report with the XXXX and I did. After hearing my case, the XXXX advised me to file an XXXX XXXX XXXX  because my name was used without my consent and my knowledge violating a court order and severely damaging my credit. I filed it with the XXXX XXXX XXXX. 
I also filed a motion with the court for contempt. XXXX XXXX XXXX XXXX XXXX XXXX was ordered by a XXXX to remove my name from the XXXX XXXX with XXXX XXXXXXXX XXXX and in addition his property was foreclosed and sold in XXXX. All the net proceeds from the sale were given to my XXXX ; he was the sole owner of the property. 
XXXX XXXX XXXX was removed from my credit file and my credit was restored. 

XXXXXXXX XXXX XXXX, I went to purchase my leased car. 
I checked my credit file a XXXX before and my XXXX XXXX was over XXXX, I went to the dealer. At the dealership, I filled out all the paperwork required, and when the dealer checked my credit, there was a loan in my name of {$200000.00} with a company called Selene Financing. 
It was the same loan that was previously deleted with XXXX XXXX XXXX. 
I couldnt purchase my leased car. 

Selene Financing reported me to the credit bureau on the same loan with a different account number that was previously deleted from my credit files with XXXX XXXX XXXX 
There was also a judges court order filed on XX/XX/XXXX to have my name removed from the loan. 
My credit file shows a different account number now with Selene Financing and a payment made on XX/XX/XXXX. I am not sure who made the payment on the loan, the property was on foreclosure since XXXX, and no one was making payments on the loan. 
The property was sold and has a new owner. 

My credit is ruined. I have been fighting to restore my credit and reputation in court since XXXX, and when I finally see the end with my credit restored, it gets ruined again. 
The loan servicing companies re-aged the account, changed dates, reported payments that were not made, changed the account number, and failed to notify me of anything associated with this loan. XXXX thing that they havent failed to do is to report me to the credit bureaus and damage my credit. 

My request is for Selene Financing to remove my name from the loan and stop the reporting in my name to the Credit Bureaus, as the court order from XXXX, XXXX states. 

The loan information on my credit report was deleted and it reappears a few XXXX later under another name and a different account number. 
I am attaching the judge 's Court Order to remove my name from the loan, the Identity theft report, the XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, and my XXXX credit file from XXXX showing that XXXX XXXX  was deleted from my file. 

Once again, I request Selene Finance to remove my name from this loan and to stop reporting under my name.

Company response to consumer: Closed with explanation