Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Shellpoint Partners, LLC (NY)

I just discovered through various emails and documents that my name was forged on an XXXX  loan in XXXX  and this has impacted my credit score. I am not on any mortgage loan and had no knowledge of this XXXX  loan fraud until today. 

Shellpoint is planning to sell my house at auction on XX/XX/XXXX and clearly there has been fraud. Some of the evidence is below. 
I have filed a fraud complaint in the XXXX, MA XXXX. 


rom : XXXX XXXX XXXX Subject : RE : XXXX XXXX XXXX - XXXX Date : XX/XX/2013 at XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX Thanks XXXX XXXX I sent it over to the Title company J XXXX XXXX XXXX XXXX direct/efax XXXX Thank You for choosing XXXX  " Our mission is to provide the lowest cost, most convenient mortgage in XXXX. '' From : XXXX XXXX [ XXXX : XXXX ] Sent : XXXX XX/XX/2013 XXXXXXXX XXXX To : XXXX XXXX Subject : Re : XXXX : XXXX - XXXX Hi XXXX, Please see the attached invoice. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Tel : XXXX From : XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX Sent : XXXX XXXX XXXX XXXX XXXX XXXX  Subject : RE : XXXX : XXXX - XXXX Hi XXXX, XXXX, you can send me the invoice and I will have it sent to the title company. 

Thanks, XXXX XXXX XXXX XXXX direct/efax XXXX Thank You for choosing XXXX  " Our mission is to provide the lowest cost, most convenient mortgage in XXXX. XXXX From : XXXX XXXX [ XXXX : XXXX ] Sent : XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX Subject : Re : XXXX XXXX XXXX - XXXX Hi XXXX, I have an invoice from the attorney for {$220.00}. I believe I should send this to XXXX for payment. Correct? 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX M : XXXX On XX/XX/2013, at XXXXXXXX XXXX, XXXX XXXX XXXX wrote : Hi XXXX, Wire Instruction attached. 

Thanks, XXXX XXXX XXXX XXXX direct/efax XXXX Thank You for choosing XXXX " Our mission is to provide the lowest cost, most convenient mortgage in XXXX. XXXX From : XXXX XXXX [ XXXX : XXXX ] Sent : XXXX XXXXXX/XX/2013 XXXXXXXX XXXX To : XXXX XXXX XXXX : XXXX XXXX Subject : Re : XXXX XXXX XXXX - XXXX XXXX, XXXX I wire funds directly from my bank into your bank instead of a cashiers check? I can do the cashiers check if needed. To send funds directly into your bank I will need the routing #, account #, and an email address for pick-up. 

Sincerely, -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Tel : XXXX From : XXXX XXXX XXXX To : " XXXX ' '' XXXX Cc : XXXX XXXX XXXX Sent : XXXX XXXX XXXX XXXX XXXX XXXX  Subject : XXXX XXXX XXXX - XXXX Dear XXXX : XXXX please find an Approved XXXX Settlement XXXX. Please review and note the amount of funds to be paid or received at closing. If funds are to be paid at closing, please have a check ready to give to the mobile notary at the time of signing. Funds to close must come from the account submitted with your documentation. If the amount is less than {$1500.00}, a personal check will be acceptable. If the amount is over {$1500.00}, a cashiers check will be required. The check should be made payable to " XXXX XXXX XXXX. '' Next Step : You will be contacted by a XXXX to schedule a time to sign your loan documents. Please make signing a priority to ensure your loan closes within your lock period. 
If you have any questions regarding the attached, please contact your Loan Processor at the email or phone number : XXXX XXXX XXXX XXXX  XXXX XXXX direct/efax Thank you for choosing XXXX Our mission is to provide the lowest cost, most convenient mortgage in XXXX. 
XXXX  <Wire instructions.pdf> Begin forwarded message : From : " XXXX, XXXX '' XXXX Subject : RE : XXXX Closing Appointment - Loan No XXXX XXXX Date : XX/XX/2013 at XXXX XXXX XXXX  To : " XXXX XXXX '' XXXX We received the emails for both wires. I will let you know if they have any issues retrieving the funds. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH. XXXX Phone : XXXX Ext. XXXX Fax : XXXX Email : XXXX Begin forwarded message : From : XXXX XXXX XXXX Subject : Re : XXXX Closing Appointment - Loan No XXXX XXXX Date : XX/XX/2013 at XXXX XXXX XXXX To : " XXXX, XXXX '' XXXX Reply-To : XXXX XXXX XXXX Hello XXXX, We just completed the closing and I am wiring the funds, but my bank only allows {$5000.00} per day to transfer. So I plan to wire a second payment for the balance- {$950.00} in the morning, but they XXXX make me wait until later in the day so it can go the following day. 

Please check your emails and tell me if you not did receive an email from my bank XXXX XXXX. There are some instructions you need to follow to receive the wire transfer. Like I said, initially {$5000.00} is being sent, followed by the balance no mare than one day later. 

Please advise if this will create any problems. 

Sincerely, -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Tel : XXXX