Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Complaint:
Dear CFPB, I, XXXX XXXX XXXX write to file a complaint against XXXX XXXX XXXX. I formally request an investigation into the criminal misconduct and professional practices of XXXX County and XXXX state employees that I believe have wasted, defrauded, and abused account access to Veterans protected information which were used for employees personal benefit and violative of both state and federal laws. I feel compelled to bring certain matters to your attention after several state and federal agency responses have shown cause to file an official complaint as a defrauded Veteran. I am requesting a coordinated interagency investigation with specificity to county/state employee credit score reporting fraud, identity theft, mail tampering, harassment, FERPA violations, and falsified financial instruments which co-signers escalated into VA  backed mortgage fraud. 

Since XX/XX/XXXX, I have been entrapped as a secondary co-signer due to fraudulent schemes that targeted and defrauded distressed active military and Veteran homeowners, investors, and financial institutions of fees, rental income, VA mortgage payment funds, property ownership and/or proceeds from the sale of their properties.My former residential property located at XXXX XXXX XXXX XXXX. in XXXX, XXXX   was targeted by former property managers, a straw man tenant coordinator identified as XXXX XXXX, along with county/state employed family members who repeatedly leaked federally protected confidential information and intentionally damaged my credit rating with altered reports. Occupants withheld postal mail, official legal notifications, and created falsified loan documentation in an attempt to induce residential power sales. County and state employees circumvented regulatory processes in order to influence and force foreclosure short sales under homeowner duress and repeatedly violated the congressionally mandated Service-member Civil Relief Act ( SCRA ) protections. 

The XXXX County scheme involved aggravated identity theft, false representations to mortgage lenders on behalf of the out-of-state homeowners ( specifically, ex-spouses ).  Unlawful VA loan modifications were provided to guarantying breach of contract John Doe occupants with undisclosed XXXX XXXX XXXX XXXX history and rental payments to new unsecured buyers without expressed written consent or fiduciary disclosure to the out of state owner. Damaged credit score reports further disclosed additional anomalies, vague student loan processor charges, and dozens of identical unauthorized credit applications. Significant accounting inconsistencies remain disputed between verified student loan disbursements, recent unsolicited VA funded vocational program claims, and unverified regional support charges. 

Neither my official divorce decree nor final court order awarding the division of real property to the ex-wife/secondary co-signer were disclosed to the financial institutions which approved and funded unlawful modifications to the VA backed mortgage.As the ex-wife, secondary co-signer, and a Veteran myself I was defrauded of funds and robbed of my good credit as a direct result of county and state employees criminal misconduct, as well as the willful negligence of the primary co-signer ( Mr. XXXX ). Over the past 72 months the VA funded schemes employed tactics which included misuse of identities, VA records tampering, and illegally amended tenant contractual agreements. 

In XX/XX/XXXX, a falsified court summons was hand delivered to the out of state secondary co-signer with a watermarked red ink Service Copy stamp placed in the top right hand corner of the document. The version I received as the secondary co-signer/ex-wife contained disinformation and did not match the legally binding digital file submitted and recorded by XXXX County clerk ( open records available to the public online, for a fee ). The additional 20+ pages attached to the hand delivered Service Copy revealed forged co-signatures with mismatched dates on multiple loans and financial instruments. The forgeries covered illegal consents to waive owner rights and altered property transfer disclosures spanning from XX/XX/XXXX through XX/XX/XXXX. Compared to authenticated original copies and contrasted by the digital county clerk, records exposed systematic fraud leading to the intentional targeting and defrauding of the ex-wife/secondary co-signer. The falsified summons further compounded the civil-criminal matter in XX/XX/XXXX when I was awarded a restraining order against the primary co-signer ( Mr. XXXX ) after receiving and documenting threatening electronic communications. 

After refusing to comply with the divorce decree and court ordered division of real property provisions, the restraining order witnessed statements included threats by the primary co-signer ( Mr. XXXX ) to burn down the house and then collect the insurance on the disputed VA backed residential property.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation