Consumer complaint received 2022-05-25 00:00:00
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: EQUIFAX, INC.
State: GA

Complaint narrative:
AS STATED IN THE PAST 2 PREVIOUS COMPLAINTS Submitting reports from the EQUIFAX XXXX pertaining to complaint XXXX We are submitting previous EQUIFAX Reports and additional documents to assist with the identification of Fraudulent Loans taken out by unknown parties, It appears these parties could be classified as an ENTERPRISE given those involved such as the Closing Attorney who was on probation or suspension and could not facilitate Fiduciary duties, Home Builder, Real Estate Agent and others , The purpose of filing Bankruptcy was to obtain assistance to investigate the Mortgage Fraud. As we consistently state we were under the impression we were closing on approved loans but. we were victims of PONZI SCHEMES. Loans were already taken out on the three properties PRIOR and all closing were fake as we did not signed the required documents. Our information was used to obtain millions of dollars on loans on the homes. The XXXX Judge would not allow the trustee to investigate the fraud due to their colleagues being involved. Bothe the judge and trustee were paid to take possessions of the homes in order to protect their colleagues. Multiple loans were taken out of the same day for each property. We will also upload the XXXX 's from Equifax. Addresses : XXXX XXXX XXXX, XXXX XXXX  XXXX ( FRAUDLUENT LOANS BEGINNING XXXX AMOUNT WAS XXXX FROM XXXX XXXX. WE NEVER REFINANCED or ATTEMPTED TOO. HOWEVER. XXXX XXXX AND XXXX WERE XXXX XXXX MORTGAGES ON THE HOME. TRUSTEE TOOK POSSESSION. WE WERE NEVER NOTIFIED. 1098 'S WERE PREVIOUSLY SUBMITTED TO THE CFPB FOR ALL OF THE REAL PROPERTIES. WE NEVER RECEIVED THED INITITAL LOAN BUT WAS PAYING, ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( FRAUDULUENT LOANS TAKEN OUT. INDIVIDUALS INVOLVED WERE XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX  AND XXXX TRUSTEE XXXX, XXXX XXXX AND XXXX XXXX ). WE THOUGHT WE HAD A LOAN WITH HOMEBANC.SEE ATTACHMENT HOWEVER, XXXX XXXX XXXX PROVIDED A LOAN TO XXXX XXXX ON THE SAME DAY. XXXX XXXX WHO WAS UNDER XXXX  AND XXXX WITH THE XXXX XXXX COULD NOT PROVIDE ANY REAL ESATE CLOSINGS. THE XXXX XXXX WAS AWARE OF HIS ACTIONS. ) STATES WE RECEIVED LOAN XX/XX/XXXX BUT WE DID NOT, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( NEVER RECEIVED A LOAN WITH XXXX XXXXXXXX XXXX XXXX, IN XXXX WE ASSUMED WE PURCHASED THE HOME BUT, WE DID NOT. XXXX XXXX XXXX WAS XXXX AND THE SELLER 'S XXXX AND XXXX XXXX WAS A PART OF THE RING, THEY CONSISTENTLY WORKED WITH XXXX TO OBTAIN FRAUD MORTGAGE UTILIZING VICTIMS INFORMATION SUCH AS OURS. DOCUMENTS WERE NOT SIGNED BY XXXX. ) STATES WE RECEIVED XXXX IN XXXX AND XXXX AND WE DIDI NOT. ALSO, FRAUDULENT CREDIT ACCOUNT ARE ON THE XXXX XXXX 'S, THE WAS THE RESULT OF A VEHICLE BREAK IN, PERSONAL INFORMATION WAS STOLEN IN XXXX AND ACCOUNT WERE OPENED SUCH AS THE XXXX XXXX AND XXXX XXXX XXXX XXXX ACCOUNT, P O REPORT WAS COMPLETED. THE XXXX TOOK ADVANTAGE OF US AND TOOK THE PROPERTIES AND SOLD THEM AND THE TRUSTEE NEVER FILED ANY LAWSUITS AGAINSTS THE INDIVIDUALS AND MORTGAGE COMPANIES WE PAID MONEY TO. WE RECEIVED NO COMPENSATION WHAT SO EVER. NOW WE ARE MARKED WITH BANKRUPTCIES ON OUR XXXX 'S WHICH, SHOULD HAVE NEVER BEEN FILE. WE RETAINED AN ATTORNEY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HE WAS PAID XXXX RETAINER AND HAS DONE NOTHING TO ASSIST US. HE CONTINOUSLY MAKE EXCUSES WHEN WE CLL HIM FROM UNKNOWN NUMBERS, HE WILL ASK FOR DOCUMENTS IN ORDER TO FORWARD THEM TO THE INVOLVED PARTIES SUCH AS BANKS FOR CORRECTION TRYING TO STAY AHEAD OF ANY INVESTIGATION WHICH MAY INCRIMINATE HIM SUCH AS XXXX XXXX 1098'S.HE WILL NOT EVEN CALL US BACK. FURTHER INVESTIGATIONS REVEALS HE WAS CONNECTED TO XXXX BANK AND SELLING XXXX PROPERTIES VIA THE TRUSTEE TO INDIVIDUALS FROM XXXX BY THE LAST NAME XXXX. PLEASE NOTE THE DATES OF XXXX DISCHARGES FOR XXXX XXXX 'S XXXX 'S BUT HIS BANKRUPTCY WAS A DISMISSAL. THESE WERE INDIVIDUAL ACCOUNTS. ALSO, REVIEW THE NUMBER OF MORTGAGE ACCOUNTS AND TIME PERIOD WHEN THEY WERE OPENED. THERE WAS A DISCHARGED NOTES TO TGHE XXXX XXXX ACCOUNT, THIS ACCOUNT WAS CLOSED PER XXXX. CREDIT XXXX STATED WE REQUESTED THE CLOSURE BUT, WE DID XXXX, THEREFORE THE TRUSTEE LIED TO COVER XXXX XXXX MAKING PAYMENTS TO THEIR CARD FROM ATTACHED PAYMENT BANK ACCOUNT, THEY DID NOT HAVE PERMISSION TO DO SO. IT'S NOTE XXXX FORCLOSED ON XXXX XXXX XXXX,. THE HOME WAS STOLEN AND WE WERE NOT NOTIFIED, IT WAS NEVER PHYSICALLY ABANDONED AS THE UTILITIES WERE ON, PAYMENTS BEGAN IN XXXX WITH XXXX XXXX. AS STATED WE THOUGHT WE WERE FINANCING XXXX. THE HOME WAS PAID OFF AND NO REFINANCE OF ANY TYPE OCCURRED, XXXX XXXX PROVIDED US WITH A SMALL FURNITURE LOAN AND THEY TOOK OUR PERSONAL INFORMATION AND TOOK OUT MORTGAGE LOANS AND LATER SOLD THE NOTE TO XXXX AND THEIR SUBSIDIARIES, SPREAD SHEET IS ATTACHED, ALL ORIGINAL WARRANTY DEEDS ARE IN OUR POSSESSION RECORED AND STAMPED FOR EACH PROPERTY, LETTER OF RETENTION FOR ALL HOME WERE PLACED WITHIN THE XXXX XXXX XXXX XXXX PLEASE PAY ATTENTION TO THE XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX IN ORDER TO COVER THE THEFT OF OUR HOME THE ASSIGNED TRUSTEE NOTATED THE WRONG HOME ADDRESS WITHIN THE XXXX LEDGER, WE KNEW THIS WAS A PART OF THE FRAUDULENT SET UP, IN ORDER TO MAKE IT LOOK LEGITATE HE ARRANGED FOR THE CORRECT ADDRESS TO BE FORECLOSED ON THE SECOND TIME. THIS IS BOTTOMLINE THEFT AND MORTGAGE FRAUD, WE RESIDED AT XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

IT'S VERY OBVIOUS THE XXXX WAS DELETING XXXX BUREAUS UNDER XXXX PARTICULARLY. IT WOULD MAKE IT APPEAR NO FRAUD WAS EVER COMMITTED. I GUESS THEY FORGOT WE HAVE THE XXXX 'S.

Company response to consumer: Closed with explanation