Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
We are submitting this complaint against Colorado Housing and Finance Authority ( CHFA ) and CHFA Loan Servicing/ ( Dovenmuehle ) for deceptive mortgage servicing, fraudulent foreclosure proceedings, improper credit reporting, and long-term harm stemming from illegal and abusive practices. 
Summary of Conduct : CHFA collected approximately {$90000.00} in payments from XXXX between XX/XX/XXXX and XX/XX/XXXX, while misrepresenting its role, authority, and legal standing. CHFA wrongfully foreclosed on our home using a false claim of ownership on a non existent debt, fabricated documents, and an unlawful foreclosure process all while ignoring our certified notices, rescission, and legal rights. 
Key Violations and Conduct : 1. Wrong Jurisdiction : CHFA 's attorneys XXXX XXXX XXXX and XXXX XXXX XXXX at XXXX XXXX Firm, XXXX. initiated foreclosure through XXXX XXXX court despite the loan being federally insured ( XXXX ) XXXX which under 24 C.F.R. 203.606 requires HUD authorization. They had no authority to foreclose, they perjured themselves on the record and their chosen venue lacked jurisdiction. 
XXXX. Fraudulent Assignment : CHFA fabricated an assignment of deed of trust by having its own employee sign as a Secretary of MERS and another CHFA employee notarize it. This document was never disclosed to us until after the foreclosure was ordered. This self-dealing violates notarial law, real estate statutes, and recording standards.

3. Forged or Non-Original Note : We believe CHFA never possessed the original note. Instead, they used a digital copy in court and misrepresented it as the authentic original in order to get judgement. Since the foreclosure, CHFA has refused multiple written demands to return the original note because they likely never had it or it is still being traded.

4. Perjury and False Testimony : CHFA and/or its attorneys made material misrepresentations under oath in court filings. These included false claims of ownership, standing, and possession of the original note.

5. Rescission and Notice Ignored : We rescinded the transaction under TILA ( 15 U.S.C. 1635 ), sent by certified mail, and recorded it publicly. CHFA ignored the rescission and proceeded with the foreclosure. We also sent more than 20 certified letters, many QWRs seeking answers, which were never acknowledged with any meaningful answers or reply.

6. Grant Deception : CHFA misrepresented what appeared to be a first-time homebuyer grant. Upon later review, this appears to have been a silent second mortgage a fact that was never explained and may have been used to coerce our participation in a transaction we never fully understood.

7. Denial of Due Process : During the foreclosure, we were : Denied discovery, Prevented from facing our accuser, Presented with only hearsay evidence, Offered no valid witness testimony.

This violated our constitutional protections under the 5th and 14th Amendments.

8. Ongoing Harm and Credit Abuse : CHFA continues to report negative information to credit bureaus despite the illegitimacy of their foreclosure. Weve submitted multiple disputes and removal requests. Theyve been ignored. We are now homeless and continue to suffer active harm from CHFAs actions and reporting.

Financing Discrepancies and Unlawful Structuring : The loan documents reflected a loan amount of {$250000.00}, but the wire transfer to the title company was {$250000.00} a {$220.00} discrepancy. The HUD-1 and TILA disclosures reflected yet a different amount financed, and the finance charge exceeded the " loan amount '' by more than {$40000.00}. These inconsistencies have never been explained and suggest an undisclosed arrangement or table funding. These unexplained variations are material and indicative of either unlawful cost inflation, falsified accounting, or a split funding structure none of which were disclosed to us. 

Timeline : XX/XX/XXXX : Loan originated XX/XX/XXXX XX/XX/XXXX : Payments made to CHFA XX/XX/XXXX : Fraud indicators discovered XXXX XXXX : Unlawful foreclosure judgment entered Certified rescission recorded on XXXX XXXX records XX/XX/XXXX, all parties were given notice of rescission before the sale of our shelter, proceeded anyway Approximately XX/XX/XXXX, Certified rescission sent Post-foreclosure : XX/XX/XXXX, Armed forced eviction by threat by XXXX deputies who broke down my door, refused to look at evidence of innocence, refused to show delegation of authority when requested, lost 60 % personal belongings Present : Homeless, with damaged credit, and ongoing untold harm Emergency intervention required Evidence Available : Fraudulent MERS assignment signed and notarized by CHFA employees Recorded rescission document Certified mail receipts ( 20+ ) Credit report showing CHFA tradelines Court records showing hearsay evidence and lack of original note CHFAs refusal to return the note Evidence of grant/second mortgage deception Screenshots of continued negative credit reporting

Company response to consumer: Closed with explanation