Consumer complaint received 2021-09-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or about XXXX XXXX XXXX. XXXX XXXX XXXX XXXX paid off my XXXX XXXX home XXXX  without my knowledge or understanding. XXXX XXXX XXXX XXXX  paid off my mortgage and then transferred it too XXXX XXXX XXXX XXXX XXXX XXXX Upon further investigation XXXX XXXX XXXX XXXX did this deceptive act of paying off and transferring my mortgage after they were found guilty in XXXX by a Federal Judge. In regards to the HAMP loan modification scandal. XXXX XXXX XXXX XXXX unlawfully denied XXXX or more families of the HAMP loan modification, whom qualified. Over 500 families lost their homes. While the reminder had their mortgages unlawfully restructured by XXXX XXXX XXXX XXXX. I am one the above victims whos mortgages was unlawfully restructured. It is believed XXXX XXXX XXXX XXXX did this deceptive act in order to hide or disguise their illegal actions committed against me on XX/XX/XXXX by denying me a HAMP loan modification. Also for illegally restructuring my XXXX XXXX XXXX XXXX guidelines regarding FHA home mortgages. It is also further believed that XXXX XXXX XXXX XXXX did this deceptive act as a way to avoid repayment monies owed to me for illegally raising my interest rate. To avoid reimbursement for damages that occurred because of their crimes. To avoid future lawsuits regarding their illegal actions committed against me. An to avoid reinstatement of my original XXXX XXXX XXXX  which they attempted to foreclose on in XXXX. It is also believed XXXX XXXX XXXX XXXX did these deceptive acts to keep the illegally obtained money they received from me and continue to receive from me regarding their crimes committed against me and others. The Consumer Financial Protection Bureau complaint regarding crime is # XXXX. On XX/XX/XXXX. XXXX XXXX XXXX XXXX used XXXX XXXX XXXX, XXXX to put false and misleading information on all three of my credit reports to hide that I was unlawfully overpaying on my mortgage from XX/XX/XXXX til present because of XXXX XXXX XXXX XXXX  crimes committed against me on this same date. Because of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX false credit reporting, criminal acts and deceptive actions I was unable to purchase a new home, refinance my mortgage, nor repair damage caused by their crimes. After XXXX XXXX XXXX XXXX paid off my XXXX XXXX XXXX  without my knowledge or understanding. And transferred the fictitious mortgage I have been paying since XX/XX/XXXX til present to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX has been falsely reporting to the three credit bureaus. XXXX XXXX XXXX XXXX XXXX has stated and continues to state I have numerous missed and late payments. They have given false statements of amounts owed regarding principal and paid off XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX. With criminal and deceptive intent has grossly violated the truth in lending Act. Their actions have destroyed my credit history. It has falsely slandered my good name. It has denied me the ability to get a new home for my family. I cant refinance my mortgage. I had hindered me in finding another job. And theirs actions have caused me financial harm and has created enormous amounts for my family and myself. To also add further insult to injury. I have knowledge and started to report an individual whom aided XXXX XXXX XXXX XXXX in defrauding me in XXXX and XXXX to the XXXX XXXX District Attorneys office. 

In addition XXXX XXXX XXXX XXXX XXXX has not sent me my XXXX interest statement. Also to hide these facts XXXX XXXX XXXX XXXX sent the cashiers check that was owed to me because unlawful loan modification action. XXXX XXXX XXXX XXXX sent the check to XXXX XXXX XXXX XXXX NY. This is not my address it belongs to my family/friend. This address neither XXXX XXXX XXXX XXXX  nor XXXX XXXX XXXX XXXX XXXX XXXX have on file for me at all. 

Lastly XXXX XXXX recently cashed an escrow check for the full amount requested, yet they still raised my mortgage.

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