Consumer complaint received 2024-01-28 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: VANDERBILT MORTGAGE & FINANCE, INC
State: IL

Complaint narrative:
on XX/XX/XXXX consumer purchased manufactured home from XXXX XXXX located near XXXX missouri that has been since closed down. Upon approval on Consumer credit transaction, Seller presented buyer with a pre printed digital signature on sales agreement. Buyer declined to apply signature due to lack of services that was missing from sales agreement. After negotiations between seller and buyer, seller then handwritten updates to sales agreement. Seller, buyer and witness all signed to updates. Buyer leaves without seller issuing copies or receipt of transaction, right of rescission, full disclosures, etc. After the deliver of the manufactured home by XXXX XXXX XXXX received a homeowners packet which included manuals for all included appliances, accessories, furnaces, copy of sales agreement. 30 days after delivery the company Vanderbilt Mortgage and Finance Inc, started sending buyer Monthly statement requesting payments. Due to the sellers acting on behalf of the buyer without the buyers/consumers consent proceeded to use same pre printed digital signature that was initiated by the seller and copied and paste to this presumed consumer loan note and security agreement and POAs given for Vanderbilt Mortgage and Finance Inc . Without full disclosure being provided to consumer in the consumer credit transaction, copies, consideration, receipts etc cause the consumer to be mislead to paying on this presumed loan that the consumer didnt view approve or sign. Fast Forward to XXXX XXXX, consumer requested debt validation from Vanderbilt Mortgage and Finance Inc as the consumer protected right and debt validation laws and Vanderbilt Mortgage and Finance representative provided copy of the consumer loan note and security agreement that the consumer never seen during the course of the sending of payments to Vanderbilt or provided during the purchase. Upon the consumer reviewing of this never seen consumer loan note and security agreement consumer notices multiple discrepancies and that violates the consumer rights. First noticing is the agreement Failed to list TILA thats required by federal law for the inform use of credit and costs also is considered misinformed decision. The presumed borrowed amount is different from the sales agreement. Descriptions on sales agreement differs from the consumer loan note and security agreement along with multiple waivers provisions waving the consumers rights that's prohibited by law etc. Consumer proceeded submitted an administrative process in hopes of receiving clarity of terms, account history, proof of claimetc. Vanderbilt Mortgage and Finance failed to respond to consumers request and also failed to validate debt. Consumer then issued notice of default to Vanderbilt Mortgage and finance. All consumers correspondence was sent via certified mail with return reciept directly to Vanderbilts address XXXX XXXX XXXX, XXXX TN addressing CEO. Consumer has yet to received a response.Vanderbilt mortgage and finance hired a company by the named Field Services to harass the homeowner at personal property demanding homeowner to call Vanderbilt Fiance and Mortgage or demanding/Threatening homeowner to move out home. The company sent a total of 4 agents to Homeowners principal dwelling 4 different occasions taking pictures of homeowners private property front and back including address without homeowners consent. Entering into XX/XX/XXXX an Attorney from XXXX XXXX, XXXX representing Vanderbilt mortgage was hired and filed a default judgement in the local courts naming homeowner as defendant in a tort claim for this alleged debt that has not been proven or provided by Vanderbilt Mortgage and Finance or its agents. XXXX XXXX and Vanderbilt Mortgage and Finance inc has participated in Fraud, Deceptive business practices, Coersion, undue influence, violation of consumer rights, denied equal credit opportunity, FCRA, CFPB, violate the sales of goods act, debt validation laws, unauthorized representation, Lack of full disclosure, deceptive and unethical practices.

Company response to consumer: Closed with explanation