Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX accessed my credit report daily, had XXXX mortgages on my name, changed the name of bank from XXXX  to XXXX has fake names on it. Told them I didnt pay ontime, and marks it from paid to unpaid. Makes my credit high and good for when XXXX XXXX needs something, absurd my credit report added loans I didnt have. After the mortgage buyout payoff XXXX shouldnt have any accounts! He knew it was paid off in XXXX filed false foreclose. Put on XXXX credit reports bad credit right off for XXXX XXXX when it was paid off. He took it later on and has on statements repo, and auction, then accessed credit report and put it back on to charge me I have 10 years of credit reports coming of him marking things from paid to unpaid. He has no idea of my job and reported an apartment I never lived at. Violated fair credit reporting act and knew he was being sued and not to touch anything or file a foreclosure! Its a false foreclosure past statute of limitations its under the vulture debt collection act he had 4 months after I did buyout mortgage pay off to file a civil complaint. He added XXXX of XXXX loans and put my name On XXXX XXXX accounts and removed XXXX. He stole land from my deed and I have proof hes using it as leverage to collect XXXX that is not my debt. My deed should have been here in XXXX. XXXX XXXX filed a false lawsuit she had 30 days and she cant reinstate something that never was instated. XXXX has changed mortgage terms agreements on a mortgage that was paid in full! He has been applying my money onto XXXX loans and her dads debt. He was to file the foreclosure against XXXX XXXX and didnt. XXXX XXXX has liens and foreclosure! XXXX is trying to steal my pain for property and violating many laws! Lending fraud, predatory lending, is theft, fair credit reporting act violated, fraud fraudulant mortgage and fraudulant bank statements false jobs on my credit report, real estate act violated, stole all cash payments and moving money claimed I had a mortgage in XXXX making fake paperwork! Only had a first time home loan fixed rate XXXX stole from XXXX XXXX was XXXX XXXX credit back and never applied never applied anything. I also am exempt XXXX but it should be exempt due to homestead so XXXX XXXX did paperwork wrong and hes a conflict! All mortgage payments ALL paid! XXXX paid! Insurance fraud XXXX committed breaking hud terms and my terms of my mortgage prior to first foreclosure my home was paid off before XXXX! Fraud is fraud and Im done! I am owed money and wrong is wrong I was done wrong he cant even show on his computer any acccounts! Predatory lender is what he is gave a XXXX check for mortgage XXXX applied to a car that was gone and then XXXX got a XXXX in my name with XXXX bank! From XXXX XXXX I have hud telling me I have XXXX mortgages I have XXXX XXXX XXXX telling me no mortgages so XXXX is falsifying debt. XXXX shows XXXX was to file foreclosure on XXXX XXXX so he needs to do his job. XXXX falsified appraisal and changed all kinds of things he added my dads coal leases in a mortgage illegal mortgages dont have royalties XXXX XXXX XXXX does not own a mortgage in my name period! Falsifying accounts while detectives have been watching him since XXXX him and XXXX

Company response to consumer: Closed with explanation