Consumer complaint received 2024-05-19 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: Cascade CISS Holdings, LLC
State: WI

Complaint narrative:
Xactus Report contains both fraudulent and Historically Inaccurate Data, not reflecting any of the information from the 3 credit bureaus as indicated on the report. 
Most items were listed with serious delinquencies, the majority referring to XXXX loan debt that was disputed due to fraud and deemed unverifiable by my loan servicer. 

My rental company which I never requested nor authorized to report payments. 

Creditor listed as XXXX XXXX is reporting inaccurate XXXX loan information. It does not appear to be listed as the same name for XXXX XXXX. Also, this information is not reporting with any of the credit bureaus as indicated in their report. Data is both fraudulent and historically inaccurate. 
XXXX XXXX loan information is not reflecting this way with any of the 3 credit bureaus as indicated in Xactas report. Data is both fraudulent and historically inaccurate. 

There is a medical account where the creditor name is listed as Not Reported. The amount is {$19000.00}. It is listed as a charge-off with several late payments as old as 90 days. I am assuming the number listed under what should be the creditors name is some sort of accounting number. I have never seen this account before nor have I ever accumulated a $ XXXX medical bill. This is not my debt. This information is fraudulent. It isnt even lawful to add a creditor with absolutely no identifying information to a credit report, making it indisputable and untraceable for a consumer and in my case a victim to track its origins. Why would an organization feel this was an appropriate, logical, legal, or an ethical decision to have a significantly negative debt listed with absolutely no verifiable information? 

The way this was reported would immediately set me up to be denied or if approved subject to the worst interest rates possible. I do not even know how long this information has been listed under my name and what prior adverse effects this has had on previous events where companies have been provided this report in there qualification process. Consumers are only made aware of the 3 major credit bureaus and not the Third party organizations that are providing inaccuracies within the process. This is an injustice that leaves me at a consistent and considerable disadvantage because how am I able to either dispute or increase a credit score when I do not have all of its contributing factors. 

After receiving this report from the mortgage lender which is The XXXX XXXX XXXX, they stated that they have credit services that can help with inaccuracies for a fee. My thoughts initially was that despite verifying the authenticity of these organizations, this was some type of scam. To intentionally report bad information and delay process or persuade me to pay for corrections that were never actually reported because as I mentioned none of the 3 credit bureaus are reporting these items the way that Xactuss report had them listed. I had already reviewed my credit but I pulled and reviewed it again on XX/XX/XXXX upon receiving a copy of this report from the mortgage broker and I can again confirm the Xactus report contains both fraudulent and historically inaccurate data that is not now nor was it ever listed on any of the 3 credit bureau reports. I have to track my credit due to ongoing fraud and I have never seen that medical debt before this report. It is not my debt. 

I am currently going through the home buying process and facing an extremely time sensitive deadline. I fully intend to seek legal action should this cause significant delays or additional financial losses as a result of this organizations negligence, to at minimum do their due diligence to ensure they are properly reporting the correct information so that it does not cause the stress and unnecessary hardship that this company is causing me now.

Company response to consumer: Closed with explanation