Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LoanCare, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB XXXX Codes Sec 1:1003.4 ( a ) ( 2 ) -1FS LEGAL ENTITY IDENTIFIER -CODE1 Conventional Government Sponsored Fannie Mae Loan -CODE 2 Federal Housing Administration Insured ( FHA ) Sec 5:1003.4 ( a ) ( 3 ) -1-6F.S LOAN PURPOSE CODE 1 : Purchase : Forged Deed, Tax and Downpayment Fraud by Lender who uses the second mortgage GSE to bypass all federal regulations -CODE 2 : Improvements : Liens on Tittle prior to purchase have caused damage. and almost a wrongful foreclosure. 

XXXX. Sec 8 : 1003.4 ( a ) ( 6 ) OCCUPANCY TYPE CODE XXXX : Principal Residence of XXXX XXXX XXXX and XXXX XXXX XXXX has addressed a threatening letter via email to continue the allegations of XXXX XXXX being a borrower or co-signer. 
XXXX. Sec 9 : 1003.4 ( a ) ( XXXX ) F.S LOAN AMOUNT Loan Amount is XXXX. 
XXXX. Sec 10.1003.4 ( a ) ( 8 ) FS Codes 1,4,6 ACTION TAKEN CODE XXXX : LOAN ORIGINATED XXXX *Credit Report is Incomplete and Forged Deed has the Action Date XXXX -CODE XXXX : Aplication Withdrawn by Applicant XXXX did not want to continue the aplication and did not signed any binding contract such as Deed, Mortgage, or Trust. Documents on his report were tampered by unauthorized not employed and unlicensed agents XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( i ) FS ACTION TAKEN DATE CODE XXXX : APPLICATION XXXX TAMPERED : XXXX RECORDED : XXXX. 
XXXX. Sec XXXX : XXXX ( a ) ( XXXX ) ( XXXX ) XXXX -CODE XXXX : Covered loans or Applications for which the credit did not considered *payments made on the account and funds of escrow provided such as XXXX percent down Borrowers XXXX XXXX XXXX and XXXX XXXX gave XXXX XXXX Mortgage in the amount of XXXX. To obtain XXXX percent XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Currently XXXX year and XXXX months past origination date of loan XXXX the amount showing on credit bureaus after monthly payments of XXXX from XXXX to XXXX which accounts to XXXX months to close year XXXX is XXXX. In addition to the XXXX down payment initial escrow and the unreported credited Tax Proration Debited to Sellers and Credited to Buyers. Total of over XXXX unreported dollars XXXX XXXX XXXX XXXX XXXX who accepted the loan transfer from Primary Residential Mortgage to hide those funds and make a profit from a loan that they willingly and knowingly violated all legal Federal Laws to damage the Borrowers and also did not have mercy on damaging a perfect credit score and disclosed all personal and private information and addressed a threat mailed to the property address to : XXXX XXXX who never lived, or has ever received mail on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX never signed any contract with original lender Primary Residential Mortgage XXXX never signed any contract with Second Mortgage Securing original Lender with XXXX XXXXXXXX XXXX XXXX Payment Assistance XXXX percent down. Known as Fannie Mae. 
XXXX never signed a contract with XXXX, XXXX, or Hazard Insurance Citizen ( XXXX XXXX XXXX XXXXXXXX ) *Documents provided on XXXX report generated in response to the main report on disputed Account on his personal XXXX account after he sent by certified mail a letter on XXXX to Validate the dept and the account was reported as accurate and meets the FDCP and FCA and he remarked that he disagreed. 
XXXX XXXX CFPB Complaint # XXXX DATE Origination on XX/XX/XXXX XXXX XXXX XXXX Complaint # # XXXX DATE Origibation on XX/XX/XXXX CFPB Style : XXXX is XXXX XXXX XXXX month prior to XXXX XXXX submitting this complaint had complaint and informed CFPB of revision in the reporting and amounts discrepancies of XXXX payoffs issued within XXXX month all dating the month of XXXX and XXXX. False statements provided by the same agents responded the complaint and no further action was taken by CFPB. 
-How more obvious can a Fraud be if XXXX year past purchase the account is only XXXX percent paid off? 
The documents are clearly tampered such as a blurry image of the XXXX Anual Interest Tax Reported before the end of the Year of XXXX for the lender to obtain on behalf of the Borrowers an additional tax credit for First Time Buyers of XXXX and they have clearly violated all laws of IRS Department of Treasury byXXXX XXXX XXXX FHA Loan is TAX EXEMPT and as Security for XXXX Mortgage the Doc of Intangible and Doc Stamp File is free. Also purchase was on 7 months and 10 days meaning : On the first of XXXX the Tax Proposed was passed for Notices to be received starting on XXXX. Lender was fully aware of Tax to be paid on XXXX was XXXX PRORATION : MONTHLY OF TAX YEAR XXXX : XXXX divided by 12 months is XXXX DAILY OF TAX YEAR XXXX : On XX/XX/XXXX divided by 31 days is XXXX -Sellers had to pay the Property Tax Proration for 7 months and 10 days. XXXX and XXXX XXXX owed to Buyers XXXX dollars for 7 months and XXXX dollars in days TOTAL : XXXX Credited to Buyers - Buyers current owners only had to pay 6 months and 21 days. XXXX XXXX XXXX and XXXX XXXX owed XXXX dollars for 6 months and XXXX dollars in days. TOTAL : XXXX Credited to XXXX Account. 
Affordable Housing requires no more than XXXX dollars for compensation of realtor. No more than XXXX dollars for XXXX XXXX, etc. Lender Declaration of IRS VIOLATION is clearly Stated in the Tampered proofs provided on CFPB and is obvious that XXXX Year Later after Borrower paid. 
YEAR XXXX DOWN PAYMENT : XXXX - TAX PRORATION : XXXX -FIVE MONTHLY PAYMENT FROM XX/XX/XXXX TO XX/XX/XXXX OF XXXX EQUALS XXXX TOTAL COLLECT Principal, Interest, Escrow ( Tax+Insurance ) XXXX MONTHS-PRINCIPAL XXXX MONTHLY PAYMENT : XXXX XXXX MONTHS OF INTEREST XXXX MONTHLY PAY : XXXX XXXX MONTHS ESCROW XXXX MONTHLY XXXX XXXX MONTHS OF Principal, Inters, Escrow TOTAL XXXX Escrow Account Should Have also been allocated the Funds of Tax Proration and The Down Payment from Buyers funds post no more than XXXX in closing cost as an additional XXXX Downpayment after closing purchase cost : XXXX Plus Credit from Sellers to Buyers for Tax : XXXX XXXX End Of The Year Total XXXX plus XXXX paid to Escrow is XXXX MINUS PROPERTY TAX : XXXX MINUS CITIZEN INSURANCE : XXXX BECAUSE PROPERTY INSURANCE IS PAID ON XXXX MINUS XXXX XXXX XXXX : XXXX MINUS MORTGAGE INSUR : XXXX XXXX IS ILLEGAL UNDER A FEDERAL ASSISTANCE TOTAL DISBURSED ESCROW : XXXX MINUS XXXX IS : XXXX -TOTAL ESCROW BEGINNING XXXX OF THIS YEAR IS SHOWING THAT ON XXXX THE XXXX PLUS 3 MONTHS OF XXXX ILLEGAL MORTGAGE INSURANCE TOTAL OF XXXX EQUAL TO DISBURSEMENT AMOUNT OF XXXX SUBTRACTED FROM THE SUM OF 2 MONTHS OF ESCROW XXXX THAT IS XXXX MINUS THE ESCROW FUNDS HELD OF XXXX THAT EQUALS TO A DEPOSIT OF XXXX NEVER EVEN CLOSE TO THE XXXX DOWNPAYMENT PLUS THE CREDIT OF TAX. Mortgage Documents say the XXXX mortgage was : XXXX XXXX XXXX XXXX XXXX  XXXX mortgage was : XXXX Original Dept was : XXXX *THE CREDIT REPORTS ON ALL BORROWERS ANDTHE VICTIMIZED NON BORROWER AND NON RESIDENT National Banks Tax Fraud on Real XXXX XXXX XXXX XXXX is XXXX XXXX and I am representing the Principal on behalf of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX CFPB Reports for XXXX XXXX XXXX XXXX CFPB Reports for XXXX XXXX # XXXX CFPB XXXX Codes Sec XXXX ( a ) ( XXXX ) XXXX LEGAL ENTITY IDENTIFIER XXXX Conventional Government Sponsored XXXX XXXX Loan -CODE XXXX Federal Housing XXXX XXXX XXXX FHA XXXX Sec XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX LOAN PURPOSE CODE XXXX : Purchase : Forged Deed, Tax and Downpayment Fraud by Lender who uses the second mortgage GSE to bypass all federal regulations -CODE XXXX : XXXX : Liens on XXXX prior to purchase have caused damage. and almost a wrongful foreclosure. 

XXXX. Sec XXXX : XXXX ( a ) ( XXXX ) OCCUPANCY TYPE CODE XXXX : Principal Residence of XXXX XXXX XXXX and XXXX XXXX XXXX has addressed a threatening letter via email to continue the allegations of XXXX XXXX being a borrower or co-signer. 
XXXX. Sec XXXX : XXXX ( a ) ( XXXX ) F.S LOAN AMOUNT Loan Amount is XXXX. 
XXXX. Sec XXXX ( a ) ( XXXX ) FS Codes XXXX ACTION TAKEN CODE XXXX : LOAN ORIGINATED XXXX *Credit Report is Incomplete and Forged Deed has the Action Date XXXX -CODE XXXX : Aplication Withdrawn by Applicant XXXX did not XXXX to continue the aplication and did not signed any binding contract such as Deed, Mortgage, or Trust. Documents on his report were tampered by unauthorized not employed and unlicensed agents XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( i ) FS ACTION TAKEN DATE CODE XXXX : APPLICATION XXXX TAMPERED : XXXX RECORDED : XXXX. 
XXXX. Sec XXXX : XXXX ( a ) ( XXXX ) ( XXXX ) XXXX -CODE XXXX : Covered loans or Applications for which the credit did not considered *payments made on the account and funds of escrow provided such as XXXX percent down Borrowers XXXX XXXX XXXX and XXXX XXXX gave XXXX XXXX Mortgage in the amount of XXXX. To obtain XXXX percent XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Currently XXXX year and XXXX months past origination date of loan XXXX the amount showing on credit bureaus after monthly payments of XXXX from XXXX to XXXX which accounts to XXXX months to close year XXXX is XXXX. In addition to the XXXX down payment initial escrow and the unreported credited Tax Proration Debited to Sellers and Credited to Buyers. Total of over XXXX unreported dollars XXXX XXXX XXXX XXXX XXXX who accepted the loan transfer from Primary Residential Mortgage to hide those funds and make a profit from a loan that they willingly and knowingly violated all legal Federal Laws to damage the Borrowers and also did not have mercy on damaging a perfect XXXX XXXX and disclosed all personal and private information and addressed a threat mailed to the property address to : XXXX XXXX who never lived, or has ever received mail on XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX never signed any contract with original lender Primary Residential Mortgage XXXX never signed any contract with Second Mortgage Securing original Lender with XXXX XXXXXXXX XXXX XXXX Payment Assistance XXXX percent down. Known as XXXX XXXX. 
XXXX never signed a contract with XXXX, XXXX, or Hazard Insurance Citizen ( Accord or XXXX XXXX ) *Documents provided on XXXX report generated in response to the main report on disputed Account on his personal experian account after he sent by certified mail a letter on XXXX to Validate the dept and the account was reported as accurate and meets the FDCP and FCA and he remarked that he disagreed. 
XXXX XXXX CFPB Complaint # XXXX DATE Origination on XX/XX/XXXX XXXX XXXX XXXX Complaint # # XXXX DATE Origibation on XX/XX/XXXX CFPB Style : XXXX is XXXX -Lismey XXXX month prior to XXXX XXXX submitting this complaint had complaint and XXXX CFPB of revision in the reporting and XXXX discrepancies of XXXX payoffs issued within XXXX month all dating the month of XXXX and XXXX. False statements provided by the same agents responded the complaint and no further action was taken by CFPB. 
-How more obvious can a XXXX be if XXXX year past purchase the account is only XXXX percent paid off? 
The documents are clearly tampered such as a blurry image of the XXXX Anual Interest Tax Reported before the end of the Year of XXXX for the lender to obtain on behalf of the Borrowers an additional tax credit for First Time Buyers of XXXX and they have clearly violated all laws of IRS Department of Treasury by. XXXX XXXX FHA Loan is TAX EXEMPT and as Security for XXXX Mortgage the Doc of Intangible and Doc Stamp File is free. Also purchase was on 7 months and 10 days meaning : On the first of XXXX the Tax Proposed was passed for Notices to be received starting on XXXX. Lender was fully aware of Tax to be paid on XXXX was XXXX PRORATION : MONTHLY OF TAX YEAR XXXX : XXXX divided by 12 months is XXXX DAILY OF TAX YEAR XXXX : On XX/XX/XXXX divided by 31 days is XXXX -Sellers had to pay the Property Tax Proration for 7 months and 10 days. XXXX and XXXX XXXX owed to Buyers XXXX dollars for 7 months and XXXX dollars in days TOTAL : XXXX Credited to Buyers - Buyers current owners only had to pay 6 months and 21 days. XXXX XXXX XXXX and XXXX XXXX owed XXXX dollars for 6 months and XXXX dollars in days. TOTAL : XXXX Credited to XXXX Account. 
Affordable Housing requires no more than XXXX dollars for compensation of realtor. No more than XXXX dollars for XXXX XXXX, etc. Lender Declaration of IRS VIOLATION is clearly Stated in the Tampered proofs provided on CFPB and is obvious that XXXX Year Later after Borrower paid. 
YEAR XXXX DOWN PAYMENT : XXXX - TAX PRORATION : XXXX -FIVE MONTHLY PAYMENT FROM XX/XX/XXXX TO XX/XX/XXXX OF XXXX EQUALS XXXX TOTAL COLLECT Principal, Interest, Escrow ( Tax+Insurance ) XXXX MONTHS-PRINCIPAL XXXX MONTHLY PAYMENT : XXXX XXXX MONTHS OF INTEREST XXXX MONTHLY PAY : XXXX XXXX MONTHS ESCROW XXXX MONTHLY XXXX XXXX MONTHS OF Principal, Inters, Escrow TOTAL XXXX Escrow Account Should Have also been allocated the Funds of Tax Proration and The Down Payment from Buyers funds post no more than XXXX in closing cost as an additional XXXX Downpayment after closing purchase cost : XXXX Plus Credit from Sellers to Buyers for Tax : XXXX XXXX End Of The Year Total XXXX plus XXXX paid to Escrow is XXXX MINUS PROPERTY TAX : XXXX MINUS CITIZEN INSURANCE : XXXX BECAUSE PROPERTY INSURANCE IS PAID ON XXXX MINUS XXXX XXXX XXXX : XXXX MINUS MORTGAGE INSUR : XXXX XXXX IS ILLEGAL UNDER A FEDERAL ASSISTANCE TOTAL DISBURSED ESCROW : XXXX MINUS XXXX IS : XXXX -TOTAL ESCROW BEGINNING XXXX OF THIS YEAR IS SHOWING THAT ON XXXX THE XXXX PLUS 3 MONTHS OF XXXX ILLEGAL MORTGAGE INSURANCE TOTAL OF XXXX EQUAL TO DISBURSEMENT AMOUNT OF XXXX SUBTRACTED FROM THE SUM OF 2 MONTHS OF ESCROW XXXX THAT IS XXXX MINUS THE ESCROW FUNDS HELD OF XXXX THAT EQUALS TO A DEPOSIT OF XXXX NEVER EVEN CLOSE TO THE XXXX DOWNPAYMENT PLUS THE CREDIT OF TAX. Mortgage Documents say the XXXX mortgage was : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX mortgage was : XXXX - -Original Dept was : XXXX *THE CREDIT REPORTS ON ALL BORROWERS AND THE VICTIMIZED NON BORROWER AND NON RESIDENT OF THE PROPERTY XXXX XXXX CONFIRM INITIAL LOAN XXXX XXXX XXXX BUT ONLY XXXX PERCENT OF THIS LOAN HAS BEEN PAID AFTER XXXX MONTHS THAT BREAK DOWN INTO XXXX MONTHS XXXX THAT IS : XXXX XXXX MONTHS XXXX THAT IS : XXXX TOTAL PAID TO DATE MONTHLY PAYMENT : XXXX NOTE : THE XXXX  MONTHS XXXX WRONG OF : XXXX IS A MISTAKE IN YOUR END OF THE YEAR XXXX ANUAL ESCROW STATEMENT. XXXX End of The Year XXXX PLUS XXXX TOTAL XXXX PLUS XXXX ESCROW FUNDS BALANCE AFTER TAX DEDUCTION XXXX TOTAL AMOUNT OF LOAN PAID BY MY OVER ASSESSED BORROWER TOTAL XXXX DEDUCT YOUR PRINCIPAL OF XXXX PRINCIPAL DECLARED : XXXX DEDUCT YPUR PRINCIPAL OF XXXX MONTHS XXXX PRINCIPAL : XXXX DEDUCT YOUR INTEREST OF XXXX INTEREST DECLARED : XXXX DEDUCT XXXX CITIZEN INSURANCE XXXX DEDUCT XXXX CITIZEN INSURANCE PRORATION XXXX MONTHLY XXXX MONTH IS XXXX DEDUCT XXXX AND XXXX CITIZEN XXXX ANUAL PAYMENT THAT IS XXXX TOTAL TO DEDUCT IS XXXX TOTAL AMOUNT OWED ON THIS DAY XX/XX/XXXX IS XXXX FOR A TOTAL OF TOTAL OWED : XXXX ADJUST THE XXXX : XXXX TOTAL OWED IS : XXXX or Credit my Tax Return of XXXX you claimed on my behalf while breaching several laws and we end up in the same number. OF THE PROPERTY XXXX XXXX CONFIRM INITIAL LOAN AMOUNT OD XXXX BUT ONLY XXXX PERCENT OF THIS LOAN HAS BEEN PAID AFTER XXXX MONTHS THAT BREAK DOWN INTO XXXX MONTHS XXXX THAT IS : XXXX 12 MONTHS XXXX THAT IS : XXXX TOTAL PAID TO DATE MONTHLY PAYMENT : XXXX NOTE : THE 12 MONTHS XXXX WRONG OF : XXXX IS A MISTAKE IN YOUR END OF THE YEAR XXXX ANUAL ESCROW STATEMENT. XXXX End of The Year XXXX PLUS XXXX TOTAL XXXX PLUS XXXX ESCROW FUNDS BALANCE AFTER TAX DEDUCTION XXXX TOTAL AMOUNT OF LOAN PAID BY MY OVER ASSESSED BORROWER TOTAL XXXX DEDUCT YOUR PRINCIPAL OF XXXX PRINCIPAL DECLARED : XXXX DEDUCT YPUR PRINCIPAL OF 12 MONTHS XXXX PRINCIPAL : XXXX DEDUCT YOUR INTEREST OF XXXX INTEREST DECLARED : XXXX DEDUCT XXXX CITIZEN INSURANCE XXXX DEDUCT XXXX CITIZEN INSURANCE PRORATION XXXX MONTHLY 5 MONTH IS XXXX DEDUCT XXXX AND XXXX CITIZEN XXXX ANUAL PAYMENT THAT IS XXXX TOTAL TO DEDUCT IS XXXX TOTAL AMOUNT OWED ON THIS DAY XX/XX/XXXX IS XXXX FOR A TOTAL OF TOTAL OWED : XXXX ADJUST THE XXXX : XXXX TOTAL OWED IS : XXXX or Credit my Tax Return of XXXX you claimed on my behalf while breaching several laws and we end up in the same number. 

-Document XXXX -Folder XXXX -Client Bayview Loan Servicing LLC XXXX XXXX XXXX XXXX Type XXXX -Document Type Security Instrument ( Copy ) -Loan Number XXXX -Client Reference XXXX -Borrower XXXX XXXX XXXX XXXX Amount {$16000.00} XXXX XXXX, FL XXXX Address XXXX XXXX XXXX XXXX -Organization Primary Residential Mortgage XXXX XXXX. 
-Closing Date XX/XX/XXXX -Trigger Date XX/XX/XXXX -Received Date XX/XX/XXXX -Investor Florida HFA Seconds -Client XXXX XXXX -Security Instrument ( Copy ) XXXX XXXX Number XXXX 
-Original XXXX was XXXX XXXX XXXX XXXX 
-Lakeview XXXX XXXX XXXX XXXX the mortgage filed under MERS with a Florida XXXX XXXX Assistance XXXX the mortgage. 
-I am requesting all the creditor/debtor informationI.Name and Address of XXXX XXXX : XXXX. Name on XXXX of XXXX XXXX : XXXX. Alleged Account # XXXX. Address on XXXX for XXXX XXXX : _ XXXX. Amount of alleged debt : XXXX. Date that this alleged debt became payable : _ XXXX of original charge : XXXX. Was this debt assigned to debt collector or purchased? 
XXXX. XXXX paid if debt was purchased : XXXX. Commission for debt collector if collection efforts are successful : XXXX. Please attach a copy of the agreement with your client that grants you the authority to collect this alleged debt. Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector XXXX. Please attach a copy of any agreement that bears the signature of debtor, wherein XXXX agreed to pay creditor. 
Please attach copies of all statements while this account was open. 
XXXX. Have any insurance claims been made by any creditor regarding this account? Y /N Have any judgments been obtained by any creditor regarding this account? XXXX XXXX XXXX. Please provide the name and address of the bonding agent for the collector, in case legal action becomes necessary : XXXX. Authorized Signature For Creditor

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