Consumer complaint received 2015-04-08
Company: EQUIFAX, INC.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Bureau of Consumer Financial Protection : It is with heavy heart that I am complaining to you of my long story of punishments being extended to me unnecessarily for about 8 years now. I am sorry if your offices are not the appropriate places to lodge my complaints but I believe that I am not wrong. My complaints are so complex that you need to step in and help me resolve these issues. 

I was formerly a XXXX that I could only XXXX about XXXX years in XXXX, and about XXXX years again here in the United States of America since I became American citizen. I left XXXX in XXXX when my XXXX. I XXXX while sitting down at XXXX place. 

In XXXX, I went to see my private physician who declared me crippled with a certification that I was permanently XXXX for life. I could not believe that at XXXX and I was in serious denial considering my age then. 

However, I began walking with XXXX. In XXXX XXXX, I went to an emergency hospital where they discovered a major problem with me and transferred me to their surgical unit and I liked it for a XXXX opinion as to what was happening to me. A team of about XXXX. I began asking them if I was about to die. XXXX. 

To cut the story a little short, they immediately operated upon my XXXX which took them from XXXX. to XXXX. on that same day. Well, the problem of not being able to even put my XXXX. My little children were the ones doing those for me while I was crying daily for what befell me. 

After about XXXX months from the surgery time, when I thought that I could XXXX normally again, I was struck with a XXXX in XXXX XXXX. I had XXXX rental houses which I abandoned since XXXX XXXX which was bought by XXXX XXXX had lien on them. I wrote them explaining what had been happening to me which led to my not being able to pay them both equity line of credit I had with them and the mortgage loan I took from them. They even did not care when I told them that what happened to me was an act of XXXX. My XXXX different tenants capitalized on my predicaments and made away with XXXX months of rent each and vandalized the XXXX properties. I sued them and got judgments but never got any penny from any of the XXXX different tenants. 

On top of that XXXX XXXX bank sued me and my wife, and won judgment against us but wrote us that we had finished paying them the mortgage and equity line of credit we were owing them. We filed an appeal explaining what happened to the Judge who advised that we should retain a lawyer to help us. We argued that since we have finished paying them all the money we owed them, why do they still maintain their judgment against us? The lawyer we hired managed to get the judgment against us vacated. 

I took time to write the XXXX major credit bureaus of my story, yet copied them the XXXX letters of completion of payments but they do not want to remove the adverse reports against us. I have asked them to verify everything I have said but they keep hurting us with their adverse reports. Even XXXX was giving us XXXX of the properties back but we declined the offer due to my incapacitation. We do no longer owe XXXX XXXX, XXXX. any penny. Our credit ratings should in fact be the best now. I copied the XXXX credit bureaus the letters of satisfactory payments of the mortgages but unable to locate them as I am still sick.

Company response to consumer: Closed with explanation