Consumer complaint received 2018-09-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NATIONSTAR MORTGAGE LLC

Complaint:
Dear CFPB, ENCLOSED you will find a QUALIFIED WRITTEN REQUEST AND COMPLAINT, DISPUTE OF DEBT under FDCPA and VALIDATION OF DEBT LETTER and TILA addressed to MR COOPER/NATIONSTAR, XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX AND XXXX XXXX XXXX. 

I want to report that XXXX XXXX XXXX has filed ANOTHER a fraudulent Notice of Trustee Sale, ENCLOSED, at the XXXX County Recorders Office on my property XXXX XXXX XXXX XXXX, CA XXXX. FORECLOSURE IS scheduled for XX/XX/XXXX. 

MR COOPER/NATIONSTAR, XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX and XXXX XXXX XXXX have committed IDENTITY THEFT by using my name, social security, private and personal information to create account # XXXX without my consent and authorization, in clear violations of my consumer protection rights under FDCPA, FTC, FCRA, TILA, RESPA and CA Rosenthal. 

These entities are UNKNOWN TO ME. There are no signed agreements, No contracts No business relationships between myself and these entities. No Disclosure, No Consideration, No Lawful Terms & Conditions, No Signatures of both the parties in interest. 

To carry out this unlawful foreclosure these entities have recorded many forged, fabricated and fraudulent documents including notice of defaults, notice of trustee sales and assignments of deed of trusts. 

ENCLOSED you will find the Three Assignments of Deed of Trusts Recorded on my property at the XXXX Country Recorders Office. 

Enclosed you will find XXXX COUNTY CIVIL GRAND JURY AUDIT title " Integrity of Land Records in XXXX County '' conducted by XXXX XXXX, Certified Mortgage Fraud Forensic Analyst. 

These are some of Ms XXXX 's preliminary findings identified the following : You have robo-signers galore ; fraudulent assignments ; unauthorized substitutions of trustee ; MERS fraud ; and a host of violations of California statutes. 
XXXX, XXXX. Letter to XXXX. XX/XX/XXXX. XXXX. 

In her expert opinion : Innumerable negative externalities result from this errant behavior, e.g., due process violations ; wrongful foreclosure ; wrongful displacement and homelessness ; clouded and unmarketable titles ; uncertainty in real estate transactions ; devaluation in property values ; erosion of the tax base ; social unrest ; undue burdens on social services and welfare programs ; increased crime ; vacancies ; neighborhood blight, etc. the price of which is paid at the local level. 
XXXX, XXXX. Letter to XXXX. XX/XX/XXXX. XXXX. 
In conclusion, I hope the XXXX County Recorders Office and the XXXX County District Attorneys Office work together to identify means by which fraudulent robo-signed documents can be identified early by the County and reported to the District Attorney to stop fraudulent foreclosures. In addition to start implementing California Penal Code section115.5 ( Forging, Stealing, Mutilating, and Falsifying Judicial and Public Records and Documents ) which provides for statutory penalties up to {$75000.00} for filing with the County Recorder fraudulent documents relating to the title of or security interest in real property. 
I'm demanding immediate cancellation and rescission of all the fraudulent, forged, robosigned documents, assignments, notice of defaults and notice of trustee instruments recorded on my property. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation