Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
Re : Complaint Against XXXX XXXX XXXX | Loan Number : XXXX I am filing a formal complaint against XXXX XXXX XXXX regarding numerous violations in servicing my mortgage loan and false reporting of debt and fees, and lack of compliance with federal and Florida state laws. 

I seek a thorough investigation by the CFPB and request escalation to state and federal authorities due to the seriousness of these matters. 

Unauthorized Property Inspection ( XX/XX/year> ) An unidentified woman claiming to represent XXXX came to my home on a Sunday with no identification or authorization documents. She took photos of my property without my consent and remained outside for XXXX minutes. No documentation proving the legality or necessity of this inspection was provided. This action potentially violates Florida trespass and privacy laws as well as federal privacy protections, including the Right to Privacy under Florida XXXX XXXX and the Electronic Communications Privacy Act ( XXXX U.S.C. XXXX et seq. ) regarding unauthorized surveillance. 

A letter dated XX/XX/year>, from XXXX regarding a " possible home inspection, '' was received on XX/XX/year> via XXXX XXXX mail in which I signed for. My signature on the XXXX mail receipt, dated XX/XX/year>, can be used as proof of when I actually received the letter, compared to when XXXX dated the letter ( XX/XX/year> ) and when the date/time the actual unauthorized home inspection was completed which I have photos captured on my home camera with date and time stamps. 

XXXX XXXX XXXX & XXXX XXXX deposited my XX/XX/year> mortgage payment yet continues to report me as delinquent and claims I owe over {$9000.00} in unexplained fees. I have not received any documentation or itemization of these charges. This behavior may violate : XXXX ) The Fair Debt Collection Practices Act ( FDCPA ) ( XXXX U.S.C. XXXX et seq. ) regarding false representation of debt and failure to validate debt. 

XXXX ) The Real Estate Settlement Procedures Act ( RESPA ) ( XXXX U.S.C. XXXX ) requiring clear accounting of fees and charges. 

XXXX ) The Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX et seq. ) if inaccurate or misleading information has been reported to credit bureaus. 

Missing Documentation and Statements The XXXX XXXX XXXX shows only XXXX documents related to a secondary Hero loan, while my primary mortgage loan documents ( {$290000.00} loan acquired from XXXX XXXX XXXX ) are missing. Why are there XXXX different documents related to a secondary " XXXX  '' loan for the same amounts, and according to Florida XXXX XXXX documents, it appears XXXX different " XXXX  '' loans were taken out without my knowledge or consent? XXXX of the XXXX documents lacks my signature. 

The XX/XX/year> mortgage statement was never sent. This violates consumer access rights under RESPA and Florida law, including Floridas Consumer Collection Practices Act ( XXXX XXXX. XXXX ), which requires transparency and proper documentation. 

Lack of Transparency on Loan Transfer LoanCare claims to have acquired my mortgage from New American Funding, but no assignment or transfer documents have been recorded with the XXXX XXXX XXXX Clerk or XXXX XXXX XXXX. This lack of proper recording raises legal questions regarding ownership and servicing rights, potentially violating : XXXX ) Florida Statutes XXXX XXXX ( regarding assignment and recordation of mortgages ). 

XXXX ) RESPAs servicing transfer disclosure requirements ( XXXX XXXX. XXXX ). 

XXXX ) The duty to provide accurate information to tax authorities and public records. 

I demand XXXX provide the following information and documentation : XXXX ) Confirmation if XXXX acquired or swapped my mortgage loan from XXXX XXXX XXXX, including the effective date. 

XXXX ) Certified copies of all recorded assignments and transfer documents filed with XXXX XXXX XXXX. 

XXXX ) A detailed breakdown of all fees and charges totaling over {$9000.00}, including explanations and supporting documentation. 

XXXX ) Proof of compliance with RESPAs notification requirements for loan transfers. 

XXXX ) Explanation for the missing XX/XX/year> mortgage statement and missing loan documents in the portal. 

XXXX ) Documentation authorizing the XX/XX/year> property inspection. 

Legal Violations and Basis for XXXX : - Failure to provide timely and accurate disclosures under RESPA ( XXXX XXXX. XXXX ). 

- Violation of the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX, XXXX ) regarding debt validation and misrepresentation. 

- Breach of privacy and trespass under Florida statutes ( XXXX XXXX. XXXX ) and federal privacy laws ( XXXX XXXX Privacy Act ). 

- Potential fraud or misrepresentation if servicing rights were claimed without proper assignment and notice. 

- Violations of Florida Deceptive and Unfair Trade Practices Act ( XXXX XXXX. XXXX et seq. ). 

- Violations of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) for reporting inaccurate debt status. 

- Violations of Florida Consumer Collection Practices Act ( XXXX XXXX. XXXX ) for failure to provide proper documentation.

Company response to consumer: Closed with non-monetary relief