Consumer complaint received 2022-10-03
Company: Fairway Independent Mortgage Corporation
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX, 2019, a fraudulent mortgage was entered into the public record of XXXX XXXX Recorder of Deeds, located on XXXX N. XXXX XXXX, XXXX, SC XXXX ; Book XXXX and Page XXXX. The mortgage was created by XXXX XXXX and on the public record there is a person named XXXX XXXX, both of Fairway Independent Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. 

The reason for this complaint is that the mortgage clearly states that XXXX XXXX XXXX XXXX is a MARRIED MAN. This is clear deception on the record and I feel this is in violation of the truth in lending and Fair Debt Collection Practice Act. 15 U.S.C. 1692 ( j ) says that you can't furnish deceptive forms. 

Because of this action brought on by the Brokers in this Financial Institution, It has caused me a great deal of trouble in finding out the truth to how another company has come to acquire my name, my social security number, my address, without consent given from the consumer. 

15 U.S.C. 1692 ( b ), as to where another company has acquired my location information, claiming that I owe a debt. This is false and misleading unfair business practices who initiated the course of this ordeal that I have had to endure. 

I was approved for financing from the beginning. According to the truth in lending, financing pay for every thing directly or indirectly. So how is it that the brokers took it upon themselves to write up a mortgage contract to deceive me into thinking that I owe a debt when no existed from the beginning? 

I have been harassed by XXXX XXXX XXXX XXXX XXXX for a payment of a debt on a mortgage that has been created under false pretense. For one, I am not a married man. I have no marriage license by any law. The debt was paid by the financing but yet I am being told that I owe a debt from another company. 

I believe my location information was sold to XXXX XXXX XXXX XXXX XXXX. I say that because I disputed the debt on my public score and the credit bureau 's found it necessary to remove XXXX XXXX XXXX XXXX XXXX because there was no wet ink signature to the contract. 

The Credit Bureau will not just remove a " creditor '' if there is a valid debt that can be proven by XXXX XXXX XXXX XXXX XXXX. Fairway Independent Mortgage of XXXX, SC have trashed my name through the courts along with XXXX XXXX, SERVICING. They have tried to foreclose on me time after time. 

This is identity theft, fraud, unfair business practices, harassment, abuse, and I demand that these criminals be brought to justice for their actions against a consumer. 

The original note and mortgage have already been sold in pool of mortgages and notes on the stock market. This is what they do, and sell/assign a copy of the mortgage and note to another company who demands payment, and claim they have interest in a property through fraudulent contracts made in the name of the consumer without full disclosure. 

Under 15 U.S.C. 1611, there is a criminal liability associated with these actions. I expect the CFPB and other federal agency 's to enforce that rule because this behavior is criminal. 

All applications are letters of credit and letters of credit are authenticated by signature. If I am required to pay a debt then that would mean I was not financed. This is a total violation of the truth in lending, FDCPA, the XXXX, and numerous federal laws. 

A contract is between two parties, not one. I have no contract with Fairway Independent Mortgage, nor do I have one with XXXX XXXX XXXX XXXX XXXX. If there is a contract, please produce the evidence with a wet ink signature. Please produce the master file so that I may inspect the original documents for error. Please produce the original promissory note/ security instrument to see whose signature is there for endorsement. 

Full disclosure also refers to the general need in business transactions for both parties to tell the whole truth about any material issue about any transaction. by utilizing my information and distributing to various other entities their Continuing financial crimes enterprise ( RICO ) under 18 U.S.C. 225 committing FRAUD, Fraud under 18 U.S.C. 134.

15 U.S.C. 1 says that all contracts are illegal and 15 U.S.C. 2 say that one can not monopolize because that is a felony. My name is my intellectual property which has been sold and traded on an open market. My intellectual property is being trafficked by these corporations without compensation. 

The lien on the public record is fraud. The mortgage is fraud. The security note is stolen. All proceeds belong to the original creditor which is XXXX XXXX XXXX XXXX an UNMARRIED MAN.

Company response to consumer: Closed with explanation