Consumer complaint received 2016-03-31
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear CFPB, Here we go again. I 'm here to report that Ocwen Loan Servicing , LLC ( OCWEN ), XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX Trustee ( XXXX ) continue to defy your Regulatory Authority and continue to violate my Private Rights of Action and consumer protection rights under CFPB, FDCPA, FCRA, FTC, CA XXXX-FDCPA and California Homeowners Bill of Rights. In addition, Ocwen continues to violate the Consent Order entered with CFPB. 

Despite the ongoing Identity Theft Claim I filed with the Federal Trade Commission against Ocwen ( Read Below ) On XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Foreclosure Trustee for Ocwen, illegally and unlawfully recorded a Notice of Trustee Sale on my property XXXX XXXX XXXX XXXX, CA XXXX at the XXXX XXXX County Recorders Office. The Trustee sale date is schedule for XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX I filed an Identity Theft Claim with the Federal Trade Commission against Ocwen since Ocwen has repeatedly ignored my Notice of Dispute and Demands to Verify and Validate the # XXXX Account they created without my permission, authorization and intruding through Identity Theft into my private life. There is no valid and lawful contract, no offer, no acceptance and no consideration between me and Ocwen, XXXX, Or XXXX. 
As of today, XXXX XXXX, XXXX OCWEN has NOT responded to my Identity Theft Claim. 

These Corporate Entities, are only corrupt Debt Collectors. Ocwen, XXXX, and XXXX do not have beneficial interest to my property. They have no legal and lawful standing to initiate a foreclosure, as all the instruments ', assignments and documents recorded on my property are fraudulent since they were obtained through identity theft in clear violation of FDCPA 1692j. I never gave them consent to use my name, social security, personal and private information. 

Please review the following XXXX Exhibits ( Attached Documents ) as Proof that Ocwen, XXXX and XXXX continue with their unlawful, fraudulent and corrupt conduct and behavior. 

Exhibit A- Notice of Trustee Sale recorded on my property in the XXXX XXXX County Recorders Office on XXXX XXXX, XXXX. 

Exhibit B- Notice of Default recorded on my property in the XXXX XXXX County Recorders Office on XXXX XXXX, XXXX. 

Exhibit C- Identity Theft Claim filed on XXXX XXXX, XXXX against Ocwen . Ocwen has refused and ignored over the last two years and a half, to respond to my Notice of Dispute under FDCPA 1692g and Affidavit to Verify and Validate the Account # # XXXX, Beneficiary Statement under CA Civil Code XXXX. 

Exhibit D- Affidavit of XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX , Trustee for XXXX XXXX. To date XXXX, has not responded to my Affidavit. 

As of today, I have filed XXXX ( XXXX ) CFPB Dispute Claims against Ocwen : 1 ) XXXX Filed on XXXX/XXXX/XXXX 2 ) XXXX Filed on XXXX/XXXX/XXXX 3 ) XXXX Filed on XXXX/XXXX/XXXX XXXX ( XXXX ) CFPB Dispute Claims against XXXX : 1 ) XXXX Filed on XXXX/XXXX/XXXX 2 ) XXXX Filed on XXXX/XXXX/XXXX 3 ) XXXX Filed on XXXX/XXXX/XXXX and XXXX Dispute Claim against XXXX : 1 ) XXXX Filed on XXXX/XXXX/XXXX Your CFPB Portal and my above XXXX CFPB Disputed Claims is proof that Ocwen, XXXX and XXXX continue to violate the CFPB, FDCPA, FCRA, FTC, CA XXXX-FDCPA and California Homeowners Bill of Rights for their refusal to repeatedly ignore and refuse to respond to my disputes and demands. 

Moreover, Ocwen continues to violate your CFPB Consent Order. 

In your CFPB Consent Order against OCWEN Under the Settlement Term Sheet provision on Page XXXX Section XXXX FORECLOSURE AND BANKRUPTCY INFORMATION AND DOCUMENTATION ( A ) XXXX. 
" Servicer shall ensure that affidavits, sworn statements, and Declarations are based on personal knowledge, which may

Company response to consumer: Closed with explanation