Consumer complaint received 2016-07-13
Company: State Home Mortgage
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This Debt is successfully disputed because within 5 days of receiving this dispute your CORPORATION did not adequately provide CONSUMER with such within the meaning of validation Pursuant to 15 USC g ( a ) ( b ) and the statutes of limitations has run out. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. The only thing the CONSUMER knows is that she received a dunning letter from STATE HOME MORTGAGE /XXXX XXXX XXXX saying she owed a purported Debt to STATE HOME MORTGAGE, she also received several cell telephone calls from a representative XXXX XXXX saying she was with STATE HOME MORTGAGE, then Consumer noticed an entry into all three of her CREDIT REPORTS which is IDENTITY THEFT pursuant XXXX XXXX. The XXXX Rescinded this transaction with the purported Mortgage Company along with copies sent to this Debt Collector in XXXX. The Rescission was done pursuant to XXXX XXXX XXXX XXXX XXXX XXXX a UNITED STATES SUPREME COURT DECISION. The Debt Collector ignored this Rescission according to notarized XXXX County Recording. The Debt Collector was sent paperwork to discharge the Debt and the Debt was taken off then put back into files. The Consumer did not provide her SOCIAL Security Number to them, but has an entry into her non-public private Credit Reports which is also according to the GRAMM LEACH BLILEY ACT a violation. The Consumer sent a validation and verification to STATE HOME MORTGAGE/XXXX XXXX, On XXXX XXXX, XXXX and they did not provide the Consumer adequate validation and verification. So here we are XX/XX/XXXX so the XXXX has been harmed for 24 months not being able to secure family, personal, or household goods because of this intrusion. STATE HOME MORTGAGE, and the Consumer does not have a Contract with each other nor does the Consumer want to contract with this Debt Collector, so how did this Debt Collector obtain the Consumers Private non-public information and extorted money from her. The CORPORATION also violated 15USC1692c which covers permission to contact the CONSUMER, this permission was not given to STATE HOME MORTGAGE. This CORPORATION is a DEBT COLLECTOR pursuant to 15USC1692a ( 6 ), I am the CONSUMER pursuant to 15USCa ( 3 ). STATE HOME MORTGAGE, pursuant to 15USC1692d has harassed, oppressed, and abused this Consumer by giving a third party her information so if she did want to secure personal, family or household goods she ca n't because of this action. STATE HOME MORTGAGE, has also violated 15USC1692e ( 8 ), ( 11 ), ( 12 ), ( 13 ), and ( 14 ). STATE HOME MORTGAGE, has also pursuant to 15USC1692f, ( 1 ) and ( 6 ), ( 8 ) have used Unfair practices in the collection of this purported Debt with unconscionable means to collect a purported debt. XXXX XXXX, according to the above section went to the Court House steps and became the Creditor and sold the Consumers home on XXXX XXXX, XXXX and had no standing to do such. STATE HOME MORTGAGE/XXXX XXXX violated pursuant to 15USC1692j by furnishing deceptive forms making the Consumer feel as if they are the Creditor or the Creditor is participating. This Consumer has been harmed by her Consumer purchasing power was put in jeopardy by STATE HOME MORTGAGE, and wants to make sure that this does n't happen to another. Pursuant to 15USC1692l the Consumer is looking for Administrative Enforcement. Actual damages sustained in the amount of {>= $1,000,000} and her land back is civil liability pursuant to 15USC1692k this Consumer wants this to be sent from STATE HOME MORTGAGE. This XXXX XXXX has made the Consumer homeless and scrambling trying to obtain comparable housing for her family.

Company response to consumer: Closed with explanation