Consumer complaint received 2025-11-26 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: LoanCare, LLC
State: FL

Complaint narrative:
I am filing this complaint XXXX XXXX XXXX, XXXX to their continued attempts to collect on afraudulent mortgage loanfor which they havenot established any legal standing, providedincomplete or falsified documents, and engaged inunfair, deceptive, and abusive acts and practices ( XXXX ) in violation of federal and state laws. 
Despite repeated requests, XXXX has failed to provide legally required documentation proving ownership or servicing rights of the alleged loan. They continue collection attempts, send misleading statements, and have recorded fraudulent documents with the XXXX XXXX XXXX XXXX. In addition, they misrepresented program eligibility ( XXXX XXXX Heroes XXXX ) and improperly handled personal information. 
I am requesting afull federal and state investigationinto XXXX XXXX XXXX, its employees, its affiliates, and any third parties involved. 
Detailed Issues XXXX. XXXX Failed to Provide Proof of Legal Standing Despite claiming they acquired the mortgage loan XXXX XXXX, XXXX has not provided any complete or valid documents showing they legally hold or service the loan, including : Novalid assignment of mortgage/deed of XXXX a complete and verifiable chain of title. 
Provided documents areincomplete, containmissing signatures, altered loan numbers, and includefraudulent signatures. 
Certain documents appear to have beenalteredorfraudulently fabricated. 
Fraudulent documents werefiled and recordedwith theSt. XXXX XXXX XXXX XXXX, raising concerns about document tampering and recording fraud. 
XXXX. XXXX and XXXX XXXX XXXX XXXX claims XXXX have serviced this loan since XX/XX/XXXX, yet aMERS document was recently filed in XX/XX/XXXX, listing {$0.00} consideration. 
This raises serious questions regarding : Authenticity of the transfer Validity of the chain of assignment Possible violations ofMERSCORP rules, state recording laws, andfederal servicing laws XXXX. Unlawful and Fraudulent Fees XXXX added afraudulent {$30.00} inspection feewithno inspection noticeever provided, violating : RESPA ( Regulation X ) 12 CFR 1024.35 & 1024.36 UDAAP Unfair or abusive fee assessments State deceptive practices laws XXXX. XXXX XXXX from XXXX LoanCare ( subervicer ) sent a noticeceasing collection, yet XXXX continues to send monthly statements attempting to collect $ XXXX reinstatement fees ( statement XXXX ). 
This appears to be : A violation ofRESPA continuity-of-servicing rules A violation of15 U.S.C. 1692e ( false collection representations ) A potential violation ofdual tracking prohibitions XXXX. XXXX Documentation XXXX XXXX has not provided any required forms proving the loan is anFHA/HUD-insured mortgage, despite XXXX an FHA agency number. 
HUD has also reported issues with theloan originator, leaving major compliance and origination questions unanswered. 
This raises possible violations of : HUD XXXX XXXX FHA origination requirements XXXX mortgage insurance regulations XXXX. Fraudulent Florida XXXX XXXX XXXX ( FHFC ) Documents XXXX holds and relies on documents allegedly from the Florida XXXX XXXX XXXX relating to XXXX loan I never applied for, consented to, or knew about. 
These documents are fraudulent and contain information I did not authorize. 
This XXXX constitute : Document forgery Mortgage fraud Identity misuse Violations XXXX XXXX XXXX XXXX ( Fraud ) XXXX. Misrepresentation of the Home Town Heroes Program During the loan process, I was told I qualified for the Home Town Heroes Program. 
Since then, I discovered : No clear disclosures were provided Eligibility requirements were misrepresented XXXX used or submittedfraudulent documentsassociated with this program No valid agreement was ever presented to me This constitutes : Fraudulent inducement Misrepresentation Violations ofTruth in Lending Act ( TILA ) Violations ofRegulation Zdisclosure requirements Potential violations ofstate housing program fraud statutes XXXX. Failure to Provide Updated Loan Terms and Material Disclosures I was never provided lawful disclosures showing changes to loan terms, monthly payments, or program XXXX XXXX continues to assert rights under documents I never saw, signed, or agreed to. 
This violates : TILA Disclosure Requirements RESPA ( XXXX XXXX XXXX ) UDAAP standards Florida Deceptive and Unfair Trade Practices Act ( XXXX ) XXXX. Personal Privacy and Opt-Out Notice I am formally opting out of XXXX : Sharing of my personal information Selling my personal information Transferring my personal information Marketing communications Affiliate and non-affiliate information sharing Failure to honor privacy opt-out requests is a violation of : Gramm-Leach-Bliley Act ( GLBA ) Regulation P 12 CFR Part 1016 Requested Actions/ Relief action.

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