Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted the CFBP already once about the XXXX / XXXX XXXX AND XXXX XXXXXXXX XXXXXXXX about my mortgage a few weeks back and I didnt have this information to provide about these 2 companies that will provide more definitive information that I knew absolutely nothing about either of these companies in XXXX nor did XXXX XXXX that I was about to finalize my refinance with XXXX XXXX on XX/XX/XXXX with XXXX XXXX XXXX my homeowners insurance I was put in as the Mortgage Company to send my homeowners insurance policy bill to be paid out of my escrow account that XXXX XXXX already had set up that included my monthly mortgage payment, my homeowners insurance coverage and my property taxes to be taken care of by XXXX XXXX XXXX XX/XX/XXXX when I was going to refinance my mortgage at a 2.00 % Fixed 30 year mortgage, XXXX XXXXXXXX RAN 3 CREDIT SCORE REPORTS ON ME BEFORE I COULD REFINANCE my mortgage and my credit score was PERFECT. I have never missed any payments on anything so I only had a car payment with XXXX XXXX and my mortgage payment with XXXX XXXX  and I strongly reiterate that XXXX XXXX was shocked that my credit score was perfect, I have never missed a payment on anything and if I had XXXX XXXX would have known by XX/XX/XXXX. I had my mortgage with XXXX XXXX XXXX and I refinanced my mortgage with XXXX Bank in XX/XX/XXXX, XX/XX/XXXX, was notified by XXXX and XXXX with a better interest rate only and nothing changed except my mortgage payment went down about $ 60/month because of the decreased interest rate AND I WAS NOTIFIED. When I bought my house in XXXX, I also added an INSURANCE POLICY in with. my mortgage with XXXX XXXX XXXX for an added protection that my go use would be Paid In Full by the insurance policy that also transferred over to XXXX bank in XX/XX/XXXX in case I was killed in an accident or I became 100 % XXXX. The insurance policy would pay off my mortgage. Then XXXX XXXX  merged with XXXX XXXX, I was again notified by certified mail that I HAD TO SIGN FOR AND A RECEIPT was sent back to both institutions with a signed receipt with the date and signature on itXXXX XXXX  went out of Business after the merger just like the merger that my Credit Union is mergin with another bank right now because the bank that is called XXXX XXXX  can not provide the same rates and assets that my my institution XXXX XXXX XXXX XXXX IS able to provide and XXXX Bank will not exist any longer just as XXXX had to shut down for a while and rebuild their institutions over several years of being shut down. HOWEVER again when that merger took place nothing changed in the terms of my mortgage. I AM going to provide some information to the Cfob association and also with the Federal Trade Commission to prove that XXXX XXXX and now this XXXX XXXX are both FRADS, SCAMS and Definitely have DISCRIMINATED AGAINST MYSELF BECAUSE OF MY XXXX OF XXXX XXXX. My mortgage was paid off because of the Insurance policy that I had taken out 7 years ago and I had forgotten about until XXXX was processing the Insurance policy because I am XXXX XXXX XXXX. However somehow XXXX XXXX and now this XXXX XXXX have devised up a conspiracy that 2 representatives of XXXX XXXX claimed a few days as I was about to close the deal to finance my home with XXXX XXXX for the purposes of making necessary adjustments and improvements to my home to accommodate myself and some of my friends that are XXXX and either in walkers or wheelchairs and my XXXX XXXX has to help me get my friends into my house because XXXX XXXX and XXXX XXXX have illegally committed XXXX discrimination acts against myself, my friends and my XXXX XXXX because they have obtained my title for my property and I cant get the necessary improvements done to my home because the 2 criminal institutions have somehow acquired the title of my property, screwed up my credit score to the point that I cant get my home refinanced because both of these institutions have sent in fraudulent information to XXXX, Experian and XXXX claiming that I am 90 days past due in my mortgage that they dont have. I have a recorded conversation with 2 representatives of XXXX XXXX XXXX one in customer service and the other representative was in consumer affairs that both told me on the recorded conversation with XXXX XXXX representatives on XX/XX/XXXX with their consent so XXXX of the representatives was named XXXX XXXX XXXX, ith my elderly mother and my son being present, both of XXXX XXXX representatives couldnt access anything about myself, my house, name, social security number not a XXXX thing about anything that his institution should have had if he had legally obtained my mortgage. The lady who was the supervisor of XXXX XXXX Consumer Affairs XXXX stated that XXXX XXXX NEVER had my mortgage but she had access to another Database that showed XXXX was contesting the company of XXXX XXXX XXXX XXXX to have bought my mortgage mortgage but she said that he had not and my title looked to be processed by the XXXX XXXX Courthouse of South Carolina XXXX I called the Courthouse and asked the director why she had not filed my title to my property and of course she put me on hold. She came back to the phone claiming that they had never received my cleared title from XXXX XXXX company and I told her that she was wrong. She didnt like that I was telling her that she was wrong cocked her attitude but READ THIS CAREFULLY. I told her to pump her brakes because I gave her the exact date and times that her office received the clear title twice but she didnt know that I had XXXX XXXX in on the conversation and she cocked her attitude again but I told her that if she was the director over the department of Titles and Deeds, it didnt surprise me but the Federal Government were probably already investigating her and if she had been doing that job for 16 years, she needed to be fired because I cant imagine how many others in XXXX XXXX she had done this way. Then XXXX XXXX come into the conversation gave her the names and time to who received the information and then she claimed that lady had retired. I told her that I didnt give a XXXX if she was XXXX  but if she was XXXX  they better dig her XXXX up because we had some questions. However my Title was never found but now this XXXX XXXX and XXXX XXXX XXXX have all of a sudden turned me into the credit bureas, screwed up my credit score and discriminated against myself and my XXXX friends that my XXXX XXXX sees them come to my door, grabs his pulling harnesses and the strap that we use to help my friends and family into my house. My dog is like me and helps anyone never thinking about how its making him feel. However I am deteriorating my health and spreading up the progress of my XXXX XXXX progressing and shortening the health and life of my XXXX XXXX So now that I have put it exactly how I feel, I am going to file charges against these companies with the Federal Trade Commission as well as the United States Department of Justice Civil Rights Division for violating my rights and my XXXX XXXX rights rights that are protected under all of the FEDERAL LAWS OULINED NY THE ADA ACT OF XXXX, and revised in XXXX. Heres the evidence that I didnt have before I filed my first complaint. However I dont want these companies feel like the XXXX XXXX because I have filled lawsuits against the XXXX County Sheriffs Department XXXX South Carolina Law Enforcement Division and South Carolina for law enforcement officers excessive use of force on me, assaulted me, tackled me onto an outside iron couch for no legitimate reason other than these law enforcement agencies were too XXXX XXXX  as to looking into factual evidence that my soon to be ex-wife, her XXXX cousins and her family had stolen my identity, took full possession of my personal information, my medical records and an email account that I havent been able to access since XX/XX/XXXX. I have definitive evidence to that fact and I am filing criminal charges against every XXXX one of these individuals and filing lawsuits against them as well because my new divorce attorney is also licensed as a lawyer that can file Federal charges and lawsuits against everyone that has violated my Civil Rights and that includes XXXX XXXX and XXXX XXXXXXXX  or whatever the XXXX their name is or stands for. So understand that is what I am going to have my lawyer file against these XXXX companies for XXXX Discrimination, VIOLATING MY CIVIL RIGHT LAWS PROTECTED BY THE ADA ACT AND FOR MY UNITED STATES COMMISSIONED XXXX XXXX XXXX, because he has just as many Civil Rights like XXXX as ll Americans have. I dont threaten anyone but I am tired of filing complaints, so I am going to copy and paste this final email to everyone that I have just stated and believe me that you all are going to pay for everything that my lawyer is going to charge each entity, company, individuals related to all of these actions against myself, my son and my XXXX XXXX. AGAIN I STRONGLY REITERATE THAT I HAVE NEVER MADE A THREAT TOWARDS ANYONE AND NEVER WILL, BUT SEVERAL PEOPLE HAVE THREATENED ME AND I ALWAYS FIGHT BACK. I ANDWER TO GOD AND JESUS CHRIST, I DONT LIE OR THREATEN ANYONE BUT JUST UNDERSTAND THAT I DO HAVE XXXX XXXX BUT GOD BUILT ME TO ALWAYS FIGHT BACK AGAINST EVIL, THREATS AND LIES AND I ONLY WILL ANSWER TI GOD WHEN I MEET HIM FACE TO FACE. ALL OFYOU I WILL NEVER WISH ANYTHING BAD ON ANYONE OF YOU IN THIS LIFE OR OUR NEXT, BUT I PROMISED MY XXXX VETERAN XXXX A FEW DAYS BEFORE HE DIED XXXX XX/XX/XXXX AND MY LAST WORDS THAT I EVER WAS ABLE TO SAY TO HIM WAS THAT I PROMISED HIM THAT I WOULDNT TAKE XXXX OFF OF ANYONE AND I ALWAYS KEEP MY PROMISES. SO BY TUESDAY IF ALL OF THESE ISSUES CREATED BY ALL OF YOU AGAINST MYSELF, MY SON AND MY XXXX XXXX ARE NOT IN WRITING, NOTARIZED AND SIGNED BY A JUDGE TO VERIFY THAT EVERYTHING THAT YOU WILL FIX TO MY SATISFACTION, MY SONS SATISFACTION AND I WILL BE PRESENT BUT HE CAN SAY IF HE IS SATISFIED AND I WILL DETERMINE IF I AM SATISFIED WITH YOUR RESPONSES TO FIX EVERYTHING THAT ALL OF YOU HAVE CREATED, TUESDAY AT XXXX pm EST XXXX, XX/XX/XXXX, IKEEP MY PROMISES AND I AM GOING TO LET MY LAWYER DO EVERYTHING LEGALLY TO FILE AS MSNY CHARGES AND LAWSUITS AGAINST EVERYONE OF YOU EITHER AS A BUSINESS, AN ENTITY OR A STATE AND MY PROMISE THAT I MADE TO MMY DAD IS GOING TO BE HONORED LEGALLY. EXACTLY HOW CAN XXXX XXXX and XXXX XXXX  open up my mortgage account on XX/XX/XXXX along with XXXX XXXX that took over XXXX Bank for a few year but my conditions of my mortgage never changed. However XXXX XXXX and this XXXX XXXXs also claimed to have bought my mortgage on XX/XX/XXXX XX/XX/XXXX but again as the document from XXXX XXXX claimed that the XXXX companies of XXXX XXXX bought again according to XXXX XXXX documents that I received Thursday XXXX XXXX claimed that XXXX XXXX bought my mortgage AGAIN XXXX XXXX and XXXX XXXX stated that they bought my mortgage AGAIN AS WELL on XX/XX/XXXX. If I bought something in XX/XX/XXXX, I sure as XXXX will never buy it again FROM MYSELF. I WOULD SAY EXPLAIN THAT BUT THAT CANT BE EXPLAINED AT ALL. XXXX BOUGHT MY MORTGAGE IN XX/XX/XXXX, XXXX XXXX but XXXX XXXX and XXXX XXXX claimed to have bought my mortgage mortgage also on XX/XX/XXXX XX/XX/XXXX. THAT IS FRAUD BY THESE 2 COMPANIES, ONLY 1. ) XXXX XXXX XXXX. and 2. ) XXXX XXXX XXXX. ONLY YHESE 2 for this one complaint but the other XXXX that really did have my mortgage, I am not wanting anything from XXXX XXXX or XXXX XXXX XXXX. They did everything legally. Let the XXXX County Courthouse, XXXXXXXX XXXX Sheriffs Department, South Carolina Law Enforcement Division and the State Governor that I am filing charges and lawsuits against all of them also if you would like to because I dont discriminate. They are public entities that violated my Civil Rights but my wife and her family, I promise anyone that they will be charged with Federal Charges and I personally am going to sign those warrants for their arrest directly under my lawyers names.THSNK YOU

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 explanation