Consumer complaint received 2019-07-02
Company: Ocwen Financial Corporation
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX along with his wife XXXX XXXX ran an unauthorized background on me without my permission nor knowledge. I was not seeking any of their real estate services. 
XXXX XXXX and XXXX XXXX are located at the XXXX XXXX XXXX XXXX, XXXX, MI XXXX Century21 office, which is also the address for their company XXXX XXXX XXXX XXXX. XXXX and XXXX are also partners in The XXXX XXXX XXXX. 

Ive NEVER met XXXX XXXX, his wife XXXX XXXX nor any of their affiliates. I am not seeking any type of real estate investments/properties. 
This unauthorized background is gravely incorrect yet XXXX took upon himself to try to convince my husband Im a criminal. 

XXXX and XXXX are friends with my husbands ex-wife, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated before the court Im a XXXX XXXX XXXXr and knew it was true because XXXX and XXXX are authorized to obtain such accurate information because they are real estate agents. 

Ive since obtained a court legal local, state, multi state and FBI background proving I have NO CRIMINAL BACKGROUND! ( Full birth name, DOB, SSN, fingerprints, etc were used ) They all took it upon themselves to run a background via a real estate app XXXX. The app is meant specifically for real estate agents & plainly states they are not accurate nor a consumer reporting agency. Much less the application for the service states its illegal to use the app services/reports as XXXX did against me. 

When I first discovered their unauthorized background on me, I didnt report them to any authority as I was trying to avoid drama. Instead I tried to give them the benefit of the doubt and called them directly. XXXX immediately started screaming at me, swearing and such, then hung up. I then called XXXX and she did talk and was civil. I later took it upon myself to hire an independent 3rd party to prove their background was inaccurate yet XXXX refuses to even acknowledge or try to correct his injustice against me. Ive done nothing and didnt deserve this. Nor does anyone. 

XXXX has done many illegal acts against my husband and I & never ends, please review my husbands case with you XX/XX/19 and the FDIC XX/XX/19 under XXXX XXXX, where his ex purposely dated the VP ( XXXX XXXX XXXX where my husband mortgage is, to gain access to his financial records illegally. 
XXXX has tried accessing my husbands bank accounts by calling into XXXX other accounts yet she was discovered and locked out. XXXX even is confirmed breaking into a XXXX bank account and paying a credit card with her name on it. XXXX and XXXX knew all of this PLUS WAY MORE ... yet they STILL helped her TRY to prove Im the bad guy and a criminal! 

XX/XX/19 I tried to clear the air by sending an email to all parties letting them know my XXXX XXXX was available to all as I dont want my husbands ex to use false data to get the courts to side with her parental alienation or have others back her before her kids. Regardless after this email, XXXX kept at it, sending more texts to my husband, completely rude, mean and belligerent. 

XX/XX/19 Finally my husband called the XXXX XXXX XXXX to lodge a harassment complaint against XXXX to make him stop contacting us. He is not allowed to contact nor do further harassment. Oddly the cop was shocked XXXX was so against me ... mind you hes never met me ... plus hes the one that did me wrong ... he was trying to convince the cop also I was a criminal. Why hed do this, continue, plus so irrational is beyond me, much less able to conduct life and his real estate business as he does is highly unjust. 

XX/XX/19 Ive tried writing XXXX reviews to warn others of how unethical this guy is yet he deletes the reviews, responds with smart sarcastic replies. 

It is XXXX this guy doesnt care XXXX violated my rights and privacy ... and based on the plethora of other online reviews about XXXX, Id say hes extremely dangerous around anyones personal information. 

Please help as the courts and such have yeilded very little justice for my husband and I who are the true victims. Thank you

Company response to consumer: Closed with explanation