Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendmark Financial Services (DE)

The mortgage company I am dealing with sent me a copy of my credit report and requested information about some accounts that were found on it. I didn't recognize these accounts and as a victim of identity theft where my name and SSN were changed I became concerned. 
I disputed these accounts with the credit bureaus, and waited, they then came back as being verified as accurate, which seemed problematic, so I then pulled my credit reports my self from all three credit bureaus. Each bureau had something different and none had all of these weird accounts on them. So I then contacted each bureau 's special investigation departments and was told that the reports I was looking at that I had pulled directly from their own web portal were not mine, they belonged to someone else. 
XXXX XXXX went as far as to block me online after I originally was able to pull a report then told me that due to my circumstances I would no longer be able to view or obtain my credit report online only by calling them and then they would mail me a copy. However, they then sent me a copy of my " said credit report '' via secure message and when I called back because the report seemed odd, they then said it wasn't my report and that my old SSN and New SSN had been combined and old accounts were added by error and it would take a week to fix. 

I then contacted each creditor starting with XXXX XXXX XXXX who initially couldn't find any accounts under either SSN, transfered me to a special department and now I must fill in a special Identity Theft packed and put in a new complaint through the police and FTC, CFPB ect, and they have an account they found and will investigate, I called XXXX XXXXXXXX XXXX, and apparently no accounts were found and then they checked XXXXXXXX XXXX and again nothing, then they checked a credit card, and found one under my name with an incorrect SSN they closed the account, and had removed it from the credit bureaus in XXXX and now it's showing again. I was told to send another dispute through the credit bureaus and they would remove it although when I did that in XX/XX/XXXX they did not actually remove it, so we will see., XXXX XXXXXXXX XXXX I spoke with a XXXX and I have to send a certified copy of my ID theft afidavit again to have it permanantly removed., XXXX XXXX XXXX originally couldnt find any accounts either but a separate department did but wrong address and wrong SSN, she is still investigating, Lendmark Financial Services stated to send a copy of this revised report along with an updated police report and they would remove them, XXXX XXXXXXXX XXXX XXXX  I also called and they found me however, wrong SSN and address only comes up under my phone # which is a bit odd. They stated they would flag it and to re-dispute it with the credit bureaus stating wrong SSN, which I had already done but to no avail same with all of the above accounts.XXXX XXXX  and XXXX XXXX their phone numbers say call during normal business hours however no one answers at XXXX XXXX XXXX XXXX XXXX EST I tried two days in a row, same message. I did however send the an email to their help contact information with zero response after 3 days. 
It is very disturbing as the victim of identity theft with a permanent notice on my credit files that accounts were able to be opened, closed ect. without proper notification, and when disputed no real investigation was done. If I can glean this information by a simple phone call why can't the credit bureaus who's actual job it is to only report correct information, to continue to improperly report incorrect information and say the information was verified but clearly wasn't. 
XXXXXXXX XXXX  was a loan we took over and they are also incorrectly reporting payment history. I disputed it and included the proper paperwork and again the credit bureaus refuse to correct it, they told me I have to take it up with XXXX and I have all the way to a lawsuit which I won and still the credit bureaus refuse to report the account in an accurate fashion. 
What good is a credit report if the information is inaccurate and the bureau refuses to correct it even when proper documentation is presented? I realize I am a unique case but I am not the only one in USA who has had a SSN change due to identity theft. It's why I think the reliance on credit reports and the information they contain is unreliable and shouldn't be used to access credit worthiness.