Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX Abuse My name is XXXX XXXX XXXX, a XXXX Veteran XXXX on XXXX  XXXXXXXX XXXX XXXX XXXXXXXX. I received an Itemized statement from XXXX XXXX. 
Loan Information XXXX XXXX was the alleged VA Loan involved with me that originated by Investors Saving Loan in XX/XX/XXXX. 
XXXX XXXX Alleged to have acquired the VA loan from XXXX  XXXX in XX/XX/XXXX. 
The originated Home Equity Line of Credit was with XXXX in XX/XX/XXXX. 
XXXX was closed in XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX is alleged to be involved with the XXXX  XXXX loan from XXXX. 
XXXX XXXX is the alleged Senior lender. 
XXXX XXXX XXXXXXXX Bank XXXX New York XXXX XXXX the Alleged junior lender. Alleged to have acquired the XXXX Home Equity line of Credit in XXXX. 
On the statement date of XX/XX/XXXX states XXXX XXXX from XXXX, and sold the loan by XXXX XXXX. Then on XX/XX/XXXX charge XXXX XXXX Charge Number XXXX XXXX XXXX XXXX filed foreclosure. On XX/XX/XXXX XXXX XXXX alleges that the loan was paid off. On XX/XX/XXXX XXXX XXXX suddenly dismisses the lawsuit which is the second foreclosure lawsuit XXXX XXXX has dismissed on the home since XXXX. On XX/XX/XXXX A payoff statement was ordered from alleged to be XXXX XXXX XXXX. XXXX XXXX sends a letter to me in XX/XX/XXXX stating congratulations the loan was paid off with a release of mortgage. XXXX XXXX has never disclosed how the loan was paid off or why the Foreclosure was dismissed. I had an attorney at the time who I was paying a monthly bill to help me save my home. I thought all the loans on the home were paid off after my wife passed away on XX/XX/XXXX through the probate of a wrongful death. However, a XXXX Home Equity line of Credit was taken out in XX/XX/XXXX. My Last payment was in XXXX with the real mortgage company XXXX before they closed in XXXX. Out of nowhere a XXXX XXXX XXXX XXXX XXXX alleges to have received assignment from XXXX on XX/XX/XXXX which is about 6 years after my last payment. XXXX  XXXX XXXX was calling me asking me to send documents regarding a previous loan with XXXX which I did not understand why. 
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX filed a foreclosure on the home without my knowledge or being served in any lawsuit. XXXX XXXX filed a foreclosure XX/XX/XXXX. When I found about it the foreclosure with XXXX XXXX XXXX XXXX XXXXXXXX it was XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX stated to have no record of the home or involvement with XXXX XXXX XXXXXXXX. It appears that XXXX  XXXX XXXX using the name XXXX XXXX XXXX XXXX XXXXXXXX as a decoy to hide XXXX XXXX XXXXXXXX from any involvement or liability with the foreclosure lawsuit. In the XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, I also discovered that documents were forged in my name as if I made appearances in court when I was working at the VA at the time. Then I hired an attorney on XX/XX/XXXX after that and not sure what happened next until now. 
XXXX XXXX XXXX to have sold the loan in XX/XX/XXXX to XXXX  XXXX XXXX. XXXX XXXX claims it was paid off on XX/XX/XXXX it can not be both. XXXX  XXXX XXXX is alleging that it paid off the loan from XXXX XXXX. When it was alleged to already been sold off. XXXX  XXXX XXXX instead alleged to have consolidated the loan to avoid XXXX XXXX foreclosure on the home that would have wiped any second liens on the title. I dont believe any loan was actually paid off to XXXX XXXX XXXX XXXX XXXX or XXXX  XXXX XXXX is refusing to produce any payment information or wire transfer as to who, when, why or where this alleged payment was made. Now XXXX  XXXX XXXX is claiming that it alleged to have paid off the loan, and added XXXX XXXX loan to the old XXXX loan. I never knew anything about this at all. I have never signed anything or applied for any, new loans, refinance, loan modifications, Deed, in lieu, forbearance or reverse mortgage, confirming consolidating anything with XXXX  XXXX XXXX. Nor have I applied for loans above with any other lenders regarding the home. XXXX  XXXX XXXX claims to have been paying extra home insurance on the home, Taxes, XXXX XXXX transferred loan adding taxes to this amount. The amount XXXX alleged to owe with XXXX  XXXX XXXX is over XXXX on a home that is under water and worth less than XXXX. This is fraud, because I did not do any of this. Im being harassed by XXXX  XXXX XXXX for money that I do not rightfully owe. I also recently discovered that XXXX XXXX in XX/XX/XXXX to XX/XX/XXXX removed my name on the loan documents, and placed my former attorneys name to receive my loan billing statements. In the end my attorney claims to not know anything. Then later my former Attorney stated that he thinks XXXX XXXX XXXX XXXX XXXX paid it off. I was never informed by my former attorneys that anything was paid off for me to have to pay it later with another lender, or servicer. XXXX XXXX had me sign a loan Modification that originated by XXXX XXXX XXXX  VA loan that I had on the home in XXXX. The loan was alleged to be acquired by XXXX XXXX in XXXX. However, this can not be confirmed. Because Investors Saving Bank Received Government Assistance Failed on XX/XX/XXXX. The loan was created in XX/XX/XXXX with XXXX XXXX XXXX  XXXX. VA secured loan. In XXXX XXXX XXXX pressured me to sign a loan Modification changing those terms of the original loan from a VA loan to a regular Mortgage without informing me of that. XXXX, XXXX also did not get any approval from the VA to change the terms of the loan which was higher well above my income amount. Which now have me in the situation XXXX in today. Then soon after the loan Modification was completed a Bank called XXXX XXXX XXXX XXXX XXXXXXXX filed a foreclosure less than 30 days later after alleged to have signed a subordination agreement with XXXX XXXX. 
Now Im in a process to be evicted from my home by alleged to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is using the name XXXX XXXX XXXX XXXX XXXXXXXX to Evict me from my home. XXXX  XXXX XXXX also allege that I owe over XXXX to them that I know nothing about as well. I feel I have been a victim of XXXX XXXX abuse, consumer fraud and fair debt collections act practices and mortgage foreclosure scam by hired law firm. It does appear that XXXX  XXXX XXXX and XXXX XXXX were working together as this is connected with the National Mortgage Settlement ( XXXX ). XXXX XXXX filed the first foreclosure on XX/XX/XXXX XXXX XXXX Illinois XXXX XXXX. I was also informed that the alleged judgment by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX is invalid. The Eviction case on the home is XXXX. However, the eviction case was dismissed in XX/XX/XXXX. Whomever is working with alleged XXXX XXXX XXXX XXXX XXXXXXXX is still trying to pursue the Eviction case despite being dismissed for want to prosecute on XX/XX/XXXX. The Eviction case was not refiled within XXXX year or vacated. XXXX  XXXX XXXX is Threatened to sue me for debt not owed. I also have reason to believe that additional lawsuits have been filed against me By XXXX  XXXX XXXX or Alleged XXXX XXXX XXXX XXXX XXXXXXXX that Im not aware of. Nor was I served by anyone regarding any new lawsuits. Seeking assistance with this matter. XXXX XXXX filed a foreclosure XX/XX/XXXX. I hired an attorney in XX/XX/XXXX after that and not sure what happened next until now. XXXX XXXX XXXX to have sold the loan in XX/XX/XXXX to XXXX  XXXX XXXX. XXXX XXXX claims it was paid off on XX/XX/XXXX it can not be both. 
This XXXX  XXXX XXXX statement says that I made payments when I have not made any of these payments to XXXX  XXXX XXXX. I feel that someone took out a loan in my name and identity with XXXX  XXXX XXXX for me to pay it back later which is fraud. Im also a victim of identity theft as well since XXXX. 
XXXX XXXX XXXX - This a document that was Submitted to the XXXX with false claims that the home was vacant. When the home was not Vacant to have me restricted from accessing the home and my property removed from the home. Despite a wrongfully filed Eviction case against the home during the Illinois Eviction moratorium in the name of XXXX XXXX XXXX XXXX XXXX  Who is really XXXX XXXX XXXX 
XXXX XXXX has been harassing us at the home and her husband for years. I have proof that she has been disparaging us with random people while claiming to be the realtor of the bank. Then she seems to not be sure what bank she is alleged to be working with. But have uploaded old outdated documents from XXXX  XXXX XXXX. The Vacancy document has XXXX  XXXX XXXX on it as well. This is wire transfer fraud scam that wired money to my former attorney for a settlement that I did not receive any money from. This is not about the false statements by XXXX XXXX claiming the loan was paid off. The loan was forgiven for wrongdoing by XXXX XXXX. XXXX XXXX is working with XXXX XXXX XXXXXXXX as well. The amount that was alleged to be paid to XXXX XXXX from XXXX  XXXX XXXX are totally different payment amounts. XXXX  XXXX XXXX has one amount and XXXX XXXX has another amount which is clearly fraud. Any payoff amount has to contain the exact same amount paid out and received. However, XXXX  XXXX XXXX wants me to pay them back money that was never paid to XXXX XXXX loan. Nor did I confirm anything for XXXX  XXXX XXXX to pay off any XXXX XXXX loan. Please look at the loan documents with my Former attorney 's mailing address on my statement for him to receive my pay statement only that I had no prior knowledge of. Nor did I authorize this with XXXX XXXX or my former Attorney. 
A lawsuit was filed in Illinois against XXXX XXXX XXXX Involving XXXX  XXXX XXXX, XXXX and XXXX XXXX. XXXX XXXX deed came from alleged Washington mutual from XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX name was involved as part of a robo-signing mill transferring loans fraudulently. The FDIC records show that XXXX  XXXX was acquired by XXXX not XXXX XXXX. I have the proof and documents of all allegations. XXXX XXXX dismissed both foreclosure actions were due to wrong doing not the loan being paid off. Now in XX/XX/XXXX the stories change that XXXX  XXXX XXXX paid off the loan to XXXX XXXX which is false. 
Now XXXX  XXXX XXXX wants me to pay back a loan alleged to have been paid off to XXXX XXXX. I did not authorize any payoff or loans or anything with XXXX  XXXX XXXX which is fraud. Please review document attachments. I'm consulting with attorneys regarding fraudulent activity... XXXX XXXX continues to not answer or supply accurate information to my complaints filed. Please submit all responses to the lawsuit upload documents for review to the Consumer Financial Protection Bureau to conceal fraud /Elder abuse. XXXX XXXX also forged my name on documents as well. The make home Affordable document from XXXX XXXX is forged and not my signature. Please review the Making Home Affordable document page 5 that the Monthly gross wages are scratched out, and the income expenses are incorrect. Not my hand writing. This is a fraudulent created document. 
I never signed any court affidavit or any affidavit with XXXX XXXX or any bank, confirming anyone third party or Attoney to be given access to any loan accounts documents. XXXX XXXX never confirmed anything to me to release any account documents to anyone, any attorneys and so forth. I never signed any notarized affidavit with any attorneys as well. XXXX XXXX refuses to take any accountability for there actions which was fraud against me plain and simple. 

Wire Transfer statement I received from XXXX XXXX XXXX review the Wire payoff details that was sent by XXXX XXXX appears fraudulent. This was alleged to be paid by XXXX  XXXX XXXX. 

1. There is no bank name on the alleged wire transfer 2. The loan amount is incorrect that was alleged to be owed to XXXX XXXX. 
3. The file name, Load, Bank ID, Sequence and Wire Description the numbers look uneven or altered on the form. 
4. No Systems notes 5. No PO information 6. No case numbers 7. XXXX XXXX is a debit card that is from XXXX The bottom line is that the alleged wire transfer form is fraudulent. 

Respectfully Submitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation