Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

on XX/XX/XXXX consumer purchased manufactured home from XXXX XXXX located near XXXX XXXX  that has been since closed down. Upon approval on XXXX credit transaction, XXXX presented buyer with a pre printed digital signature on sales agreement. Buyer declined to apply signature due to lack of services that was missing from sales agreement. After negotiations between seller and buyer, seller then handwritten updates to sales agreement. Seller, buyer and witness all signed to updates. Buyer leaves without seller issuing copies or receipt of transaction, right of rescission, full disclosures, etc. After the deliver of the manufactured home by XXXX XXXX XXXX received a homeowners packet which included manuals for all included appliances, accessories, furnaces, copy of sales agreement. XXXX XXXX after delivery the company XXXX XXXX  and XXXX XXXX, started sending buyer Monthly statement requesting payments. Due to the sellers acting on behalf of the buyer without the buyers/consumers consent proceeded to use same pre printed digital signature that was initiated by the seller and copied and paste to this presumed consumer loan note and security agreement and POAs given for XXXX XXXX  and XXXX XXXX XXXX Without full disclosure being provided to consumer in the consumer credit transaction, copies, consideration, receipts etc cause the consumer to be mislead to paying on this presumed loan that the consumer didnt view approve or sign. Fast Forward to XXXX XXXX, consumer requested debt validation from XXXX XXXX  and XXXX XXXX as the consumer protected right and debt validation laws and XXXX XXXX  and XXXX representative provided copy of the consumer loan note and security agreement that the consumer never seen during the course of the sending of payments to XXXX or provided during the purchase. Upon the consumer reviewing of this never seen consumer loan note and security agreement consumer notices multiple discrepancies and that violates the consumer rights. XXXX  noticing is the agreement Failed to list TILA thats required by federal law for the inform use of credit and costs also is considered misinformed decision. The presumed borrowed amount is different from the sales agreement. Descriptions on sales agreement differs from the consumer loan note and security agreement along with multiple waivers provisions waving the consumers rights that's prohibited by law etc. XXXX proceeded submitted an administrative process in hopes of receiving clarity of terms, account history, proof of claimetc. XXXX XXXX  and XXXX failed to respond to consumers request and also failed to validate debt. XXXX then issued notice of default to XXXX Mortgage and finance. All consumers correspondence was sent via certified mail with return reciept directly to XXXX address XXXX XXXX XXXX, XXXXXXXX XXXX addressing CEO. XXXX has yet to received a response.XXXX XXXX and XXXX hired a company by the named XXXX XXXX to harass the homeowner at personal property demanding homeowner to call XXXX XXXX and Mortgage or demanding/Threatening homeowner to move out home. The company sent a total of XXXX agents to Homeowners principal dwelling XXXX different occasions taking pictures of homeowners private property front and back including address without homeowners consent. Entering into XX/XX/XXXX an XXXX  from XXXX XXXX, XXXX representing XXXX XXXX was hired and filed a default judgement in the local courts naming homeowner as defendant in a tort claim for this alleged debt that has not been proven or provided by XXXX XXXX  and XXXX or its XXXX. XXXX XXXX and XXXX XXXX  and XXXX XXXX has participated in Fraud, Deceptive business practices, Coersion, undue influence, violation of consumer rights, denied equal credit opportunity, FCRA, CFPB, violate the sales of goods act, debt validation laws, unauthorized representation, Lack of full disclosure, deceptive and unethical practices.