Consumer complaint received 2022-05-04
Company: Home Point Financial Corporation
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was just getting my credit repair fixed and was working with XXXX XXXX from XXXX XXXX XXXX  so I could later build my business. Apparently, they told me that they would place a home in my name to boost my credit back XX/XX/XXXX, per my recording with XXXX, who worked for XXXX XXXX. The house finally posted around XXXX XXXX, and I was happy that my credit was boosted because of it. However, I was totally unaware of the fraud they did behind the scenes and all I knew was they were simply helping me fix and polish up my credit for funding later, which I never got. 

Fast forward to XX/XX/XXXX, I realized that XXXX XXXX, who is a family member or wife of XXXX XXXX, who I believe owns the company, wasn't responding. I was not only extremely frustrated, but they left me high and dry with no further communication. I struggled for the first parts of that year and the years before to try to sustain my business for funding, which ended up collapsing XX/XX/XXXX. However, for the rest of XXXX, I didn't think much about it and moved on. 

Then in XX/XX/XXXX, XXXX XXXX, whom I had NO idea she was in the home, reached out to me and said that she paid the costs and lived in the home the entire time. Unfortunately, this was not only shocking but very bothersome to me, as I thought this was just an " installment loan '' or dummy house they put on my report. I investigated this further and realized that this wasn't just an " installment loan '' XXXX XXXX put on my report, but they committed a CRIME of some sort, which then made sense as to why HUD and the FBI were after XXXX XXXX back then. I recorded 2 conversations with XXXX, one on the XXXX and the other on the XXXX, available upon request to totally prove this is the case. 

In addition, I was able to talk to the fraud department with XXXX and XXXX and they were able to verify that the house was not mine and took it off my report. XXXX refused and I filed a CFPB report against them and Home Point Financial. Then Home Point responded to me for the first time ever on XX/XX/XXXX via CFPB portal. They still claimed that I paid for, own, and lived in the home this entire time and sent me more documents on XX/XX/XXXX to try to prove I was the buyer. This was when I found out that my signatures were FORGED by XXXX XXXX and that this crime is very serious. Because of this unlawful act on Home Point Financials side, I filed a small claims lawsuit against them on XX/XX/XXXX and am resubmitting this CFPB report to XXXX with these new details. I have paper, audio, and email evidence to disprove Home Point 's claims and court docs, available upon request. 

In addition, XXXX XXXX are also under national investigation currently and going to court XX/XX/XXXX thanks to HUD and the FBI. I'll have further evidence at that time to prove more about what's going on. 

Bottom line, I never intended to be involved with these scammers, and just want this home to not only be reassigned to XXXX XXXX, who seems to be defending XXXX about this scheme per the home records and recordings, but also take this home off my reports all together, specifically XXXX. This has caused so much frustration and headache for me and I want this resolved ASAP.

Company response to consumer: Closed with explanation