Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

First of all the previous complaint number was # XXXX and it was closed because when I called I was unable to answer a question due to a medical condition. I am reopening this complaint or starting a new one with the same dispute and additional added knowledge. This is also from a previous dispute against mortgage company, XXXX XXXX. 

The national settlement did in fact include me as well as a few others but because XXXX XXXX lied and said they made me whole ( OCC ) and others I was not compensated. Now, according to DOJ settlement and agreement with this same bank there were to include no foreclosure claims, filings or lawsuits while in a mortgage modification ( temporary, permanent, proceeding, etc. ). If in fact this occurred they all the banks included in the lawsuit were in violations and agreed to pay the billions of dollars settled by the Federal Agencies, one mainly is the Department of Justice. I was never notified of the sale while paying a modification monthly after it was approved, or did they the bank forget that. Yes, I was still paying each month while you told me ( the bank ) they withdrew the foreclosure. Yes, to date I have still have that conversation recorded and the bank representatives emails and voice messages. 

According again to the national settlement agreement the bank foreclosed erroneously and wrongfully and they know this. But what I did not know after they requested over {$300000.00} for me to pay to purchase the home, when they in fact sold it for under {$70000.00}. I just learned of this recently by and from the Department of Treasury why was I not told this then. I also am being told that there were know request in the court motion or otherwise that a motion was filed to set aside by XXXX XXXX XXXX. In fact, my attorney filed that motion after I discovered while paying the modification that it had been sold. Who is telling these lies, the bank should have never filed a foreclosure the entire time they offered me the modification, temporary and permanent while I was paying on a timely basis and was never told of any violations or was never warned of a sale. 

How could they confirm that this foreclosure was valid, when they agreed to the terms of the national settlement class action wrongful modification and sale lawsuit. Also, with the other lawsuits they precluded me from when in fact I was automatically a candidate and victim of the same treatment. Because they did not divulge the truth is why I was not compensated each time. In fact, when I was notified of the first and recently spoke to XXXX XXXX and the oversight monitor they were never notified the house had been sold! All applicable state laws were not followed, in fact you violated the agreement with the Department of Justice, IRS, FTC and many other Federal Agencies. You were on my credit for years with this foreclosure/sale in which you conducted wrongfully. The servicing guidelines and agreement from and by XXXXXXXX XXXX  were also in violation. Remember the servicing practices, was challenged and won each time against XXXX XXXX for violating your servicing practices in which all applies and included me. Especially from XXXX XXXX XXXX and now I am told XXXX  I wasn't notified, and when I was it was submitted and when I was not it still was submitted. You chose to ignore your federal many agreements with the settlement and yes, I was never notified not one time to retrieve my belongings because I never of a sale until weeks and months afterwards. In fact, this year is when I learned of the sale amount when you lied and told me I owed $ XXXX dollars. 

These court proceeding must now entered the docket since I disputed all of which is owed to me. How could the court deny your request for sale when you filed the foreclosure in the beginning? Did the court not recognize the national and federal agreement? I am sorry why was all not voided what judge signed off on this, did you inform my then attorney because I know you did not inform me? By the way who did they inform? Where is the copy of notification? This was a fraud and they know, the bank knows they owe me for this fraud and breach of settlement national agreement with the Department of Justice and others. Also, the additional request that was made XXXX XXXX XXXX  to cancel is not on my docket sheet, the original from XXXX where is it? Because of loss mitigation efforts XXXX stated. My many medical conditions precluded this for so long, and to be told and shown more lies continue as well as violations and breach of contracts still exists. By the way I submitted originally a copy of the proposed settlement of class action lawsuit related to XXXX XXXX XXXX, just one I submitted but there is more.