Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Subject : Mortgage Fraud, Forged Signature, Title Theft, Improper Foreclosure, and Credit Damage Dear Consumer Financial Protection Bureau, Please see the information below regarding a mortgage connected to XXXX XXXX XXXX, XXXX, MA, involving what I believe are serious acts of identity theft, forgery, mortgage fraud, and wrongful foreclosure.

I recently discovered additional messages and emails relating to multiple real-estate transactions conducted without my knowledge or authorization. My signature was forged on mortgage documents for this property. I was not a borrower on any mortgage for this home, and I do not understand how XXXX XXXX was able to foreclose when I was never legally on a mortgage.

The following issues occurred : Forgery and Identity Theft My signature was forged on mortgage/loan documents.

I was not a borrower on the mortgage used in the foreclosure.

Title Theft and Unlawful Transactions Multiple unauthorized transactions occurred, transferring or affecting the title to my home.

My {$100000.00} down payment was stolen.

An additional {$50000.00} payment made to XXXX XXXX to stop foreclosure was taken, yet the foreclosure proceeded.

Additional mortgage payments were cashed, which I sent from my bank accounts without a valid mortgage obligation.

Break-in and Removal of Personal Property After reporting the responsible parties, including XXXX, XXXX entered my home without permission and removed my belongings.

Wrongful Foreclosure XXXX XXXX  foreclosed on the property despite my not being a borrower and despite the payments made.

Ongoing Credit Damage My credit score continues to decline, but I have not been provided any documentation explaining the cause.

I need clarification on what accounts or reporting items are responsible.

Thank you for your assistance. I am prepared to provide documentation, emails, statements, and evidence already submitted previously to the CFPB.

Sincerely, XXXX XXXX Additional evidence includes : Begin forwarded message : From : " XXXX XXXX '' XXXX Subject : FW : Signed Contract for XXXX XXXX XXXX Date : XX/XX/year> at XXXX EDT To : XXXX Hi XXXX , Please let me know if there is anything else you need.

Thanks, XXXX -- -- -Original Message -- -- - From : XXXX XXXX Sent : Tue XX/XX/year> XXXXXXXX XXXX To : XXXX ; XXXX Cc : Subject : Signed Contract for XXXX XXXX XXXX XXXX Morning Attorney XXXX and Attorney XXXX , Attached please find a fully signed copy of the XXXX XXXX XXXX . I will have originals for everyone later this week.

A couple of updates : - The appraisal is completed and the home appraised fine.

- The home inspoection is Wednesday morning at XXXX XXXX 

Thank you, XXXX XXXX XXXX -- -- -Original Message -- -- - From : XXXX XXXX XXXX [ mailto : XXXX ] Sent : Thu XX/XX/year> XXXX XXXX  To : XXXX XXXX Cc : Subject : RE : [ 2/2 ] Attached Image Here you go. XXXX -- -- -Original Message -- -- - From : XXXX XXXX [ mailto : XXXX ] Sent : Thursday, XX/XX/year> XXXXXXXX XXXX To : XXXX XXXX XXXX Subject : FW : [ 2/2 ] Attached Image Thanks!

-- -- -Original Message -- -- - From : XXXX XXXX Sent : Thu XX/XX/year> XXXXXXXX XXXX To : XXXX XXXX Cc : Subject : [ 2/2 ] Attached Image This e-mail and any attachments may be confidential or legally privileged. If you received this message in error or are not the intended recipient, you should destroy the e-mail message and any attachments or copies, and you are prohibited from retaining, distributing, disclosing, or using any information contained herein. Please inform us of the erroneous delivery by return e-mail. Thank you for your cooperation.

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