Consumer complaint received 10/31/2016 about Debt collection (Mortgage) with Fidelity National Financial, Inc (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This complaint is filed with this Administrative Tribunal for UDAAP violations, and FDCPA 15 U.S. Code 1692f - unfair and deceptive debt collection by filing a lawsuits based on flimsy or nonexistent evidence. 

1. Whereas, XXXX XXXX XXXX XXXX, Fidelity National Law Group, XXXX XXXX XXXX and XXXX, f/kla XXXX XXXX, XXXX Truss has collectively conspired to fraudulently seize our property where the Plaintiff ', XXXX XXXX , XXXX Truss is claiming to hold a secured interest in our property. IT DOES NOT HOLD ANY INTEREST IN OUR PROPERTY at all. Therefore, they lack legal standing to bring an action for Declaratory and Injunctive Relief -- Note that XXXX XXXX XXXX XXXX is falsely claiming to be the servicer for XXXX XXXX, XXXX Truss. 

2. Whereas, this complaint is filed because XXXX XXXX XXXX XXXX bought collection rights to an account that both XXXX XXXX and XXXX XXXX XXXX , ( the seller ) knew or should have known were charged-off and closed on or before XXXX XXXX, XXXX. 

3. Whereas, XXXX XXXX XXXX XXXX, in calibration with the parties listed in paragraph 1 above are continuing to pursue collection/foreclosure action through a FRIVOLOUS AND NUISANCE Lawsuit, all for the purpose of intimidation and harassment in violation of UDAAP - See Exhibit XXXX, Case # XXXX. The parties actions are unlawful for the following reasons : 4. The parties listed above knew or should have known they were UNLAWFULLY TREATING the purchase of a default debt that derived from a 4 year old charge-off, closure, and now time barred loan as if the XXXX, XXXX, XXXX Truss actually held a secured interest in our property, although this purported loan, if it was ever in a truss, was bought out of any truss by XXXX XXXX XXXX on or about XXXX XXXX. ( See EXHIBIT XXXX ) 5. Please be advised that the purported loan ( # XXXX ) was ( a ), placed in default by XXXX on XXXX XXXX, and ( b ), It was subsequently charged off and CLOSED on or about XXXX XXXX, XXXX, and ( c ), when a original subprime predatory loan is charged off and closed, the loan and note no longer exist ( according to UCC requirements ), and ( d ), all that remained is collection rights to possible default debt, and ( e ), those rights can be transferred by assignment ONLY, and not by " transfer '' of a negotiable note, and ( f ), as of the charge off/closure date on or before XXXX XXXX the purported loan became unsecured default debt, and ( g ) the STATUTE of limitation began to run on the default debt on or before the Account closure on or about XXXX, XXXX. ( see EXHIBIT XXXX ) then ( see EXHIBIT XXXX ). 

6. Be advised that XXXX XXXX XXXX XXXX, upon buying the default debt on or about XXXX XXXX they changed the loan account number. Note that in ( EXHIBIT XXXX at pg. XXXX and XXXX ) it says " Account transferred to another " LENDER '' '' in XXXX XXXX -- - Then see EXHIBIT XXXX, page XXXX where it says XXXX ; UNPAID BALANCE CHARGED OFF ''. It occurred on or before XXXX XXXX. 

XXXX. Paragraph XXXX above IS PROOF that XXXX, f/kla XXXX XXXX, XXXX Truss does not have any interest in our property, and the debt is time-barred

Company response to consumer: Closed with explanation