Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Martell & Ozim, PA (FL)

Zombie Loans with aggravated identity theft were stacked against my property under sham loans organized by counterfeit forms, brokered and notarized attorney that added bankruptcy fraud to " borrower '' under aggravated identity theft. 

The courts of XXXX XXXX courts, of Florida, with bank have facilitated more fraud and remain in contempt, suppressing orders, civil penalty relief and all of CFPB sanctions against XXXX XXXX, and subsidiaries who have embezzled zombie loans. 

The home association attorneys, bank attorneys of XXXX XXXX  and judges have participated in embezzlement of zombie loans and laundering schemes to " sell ' property used for zombie loans for no less than one decade. 

The CFPB found that XXXX XXXX  violated the Consumer Financial Protection Act, the Fair Credit Reporting Act, the Truth in Lending Act, and the Truth in Savings Act. Specifically, XXXX XXXX  was : Exploiting personal data without authorization : The Fair Credit Reporting Act, among other things, defines the permissible uses of credit reports, and users of credit reports may only request them if they have a permissible purpose. XXXX XXXX  used customers credit reports without a permissible purpose, and without its customers permission, to facilitate opening unauthorized credit cards and lines of credit. 
Opening accounts without consumer permission : XXXX XXXX  opened deposit accounts, credit cards, and lines of credit without permission. This included opening Reserve and Premier lines of credit, which carry high interest rates and expensive fees. This behavior violated the Consumer Financial Protection Act and the Truth in Lending Act. 
Failing to provide legally required consumer disclosures : The Truth in Savings Act requires banks to provide certain disclosures when opening new deposit accounts. XXXX XXXX  violated the law when its employees opened consumer deposit accounts without permission and, in the process of doing so, failed to provide the required disclosures. 
Enforcement Action Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including engaging in unfair, deceptive, or abusive acts or practices. The CFPBs order requires XXXX XXXX  to : Pay a {$37.00} XXXX fine : XXXX XXXX  will pay a {$37.00} XXXX penalty to the CFPB, and the CFPB will deposit it into the CFPBs victims relief fund. This fund provides compensation to consumers harmed by violations of federal consumer financial protection law. 
Forfeit and return all unlawfully charged fees and costs to harmed customers : XXXX XXXX  must develop a plan to remediate harmed consumers by returning all unlawfully charged fees and costs, plus interest. 

Aggravated Identity Theft 18 U.S.C. 1028A Simply stated, aggravated identity theft occurs when someone knowingly transfers, possesses, or uses without permission, identification of another person, and then uses that identification during and/or in relation to the act of a particular felony violation.