Consumer complaint received 2025-12-28 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Primary Servicer : Lakeview Loan Servicing Subservicer : XXXX Loan Servicing Debt Amount : {$320000.00} Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am submitting this formal complaint regarding fraudulent debt collection practices and violations of both state and federal law. Lakeview XXXX XXXX and its subservicer, XXXX XXXX XXXX, have attempted to collect a fraudulent debt in the amount of {$320000.00}, despite the fact that I am a victim of identity theft. This debt was never originated by me nor authorized by me, and the loan was never funded by me or deposited into my accounts. 
Fraudulent Debt and Failure to Provide Documentation : Lakeview XXXX XXXX claims to have owned this debt as of XX/XX/XXXX, but did not file a Mortgage Electronic Registration System ( MERS ) record for the loan until XX/XX/XXXX. The absence of a timely MERS filing raises significant questions about the legitimacy of this debt and whether Lakeview XXXX XXXX can properly verify its ownership. 
Moreover, XXXX XXXX XXXX has failed to provide any documentation or proof of the actual funding or wire transfers associated with this debt, leaving me unable to confirm any legitimate financial transaction. 
Identity Theft, Data Breach, and Unauthorized Use of Personal Information : I am a victim of identity theft, and the fraudulent activities surrounding this debt are a direct result of the breach of my personal information by XXXX Loan Servicing. In XXXX, my XXXX Bank accounts were compromised, and my personal details were improperly accessed. XXXX XXXX XXXX did not inform me of this breach until XX/XX/XXXX, which is two years after the breach occurred. Despite this notification, XXXX continued to share and sell my personal information to third parties without my consent. 
Additionally, I specifically instructed XXXX XXXX XXXX to cease and desist from sharing my personal information. However, they have ignored my request and continued to share, transfer, and sell my information in violation of my privacy rights. 
Violations of XXXX and XXXX Laws : 1. Fair Debt Collection Practices Act ( FDCPA ) : Lakeview XXXX XXXX and XXXX XXXX XXXX have violated multiple provisions of the FDCPA, including : Section 807 ( False or Misleading Representations ) : They have falsely represented ownership of the debt and failed to provide documentation proving its validity. 
Section XXXX ( Validation of Debts ) : They have not provided proper validation of the debt after multiple requests, as required by law. 
Section XXXX ( Harassment or Abuse ) : Continued attempts to collect this debt, despite the fraudulent nature of the loan and the fact that it was removed from my credit report, constitute harassment and abuse under the FDCPA. 
XXXX. Fair Credit Reporting Act ( FCRA ) : Despite Equifax removing the fraudulent loan from my credit report, Lakeview XXXX XXXX and XXXX XXXX XXXX have continued to attempt to collect on this debt. This constitutes a violation of XXXX XXXX XXXX XXXX ( FCRA ), specifically : Section XXXX ( Responsibilities of Furnishers of Information ) : Lakeview Loan XXXX and XXXX Loan Servicing have failed to correct inaccurate information on my credit report and have continued reporting false information about the loan. 
XXXX. Identity Theft and Privacy Violations : Gramm-Leach-Bliley Act ( GLBA ) : XXXX XXXX XXXX failure to protect my personal information and continued sharing of that data without my consent is a violation of the GLBA, which mandates that financial institutions safeguard sensitive personal information and not share it without authorization. 
Florida 's Information Protection Act ( FIPA ) : Under Florida law, specifically XXXX XXXX XXXX XXXX ( XXXX ), it is unlawful for a business to fail to protect personal information from data breaches. XXXX XXXX XXXX breach of my information and their failure to provide adequate notice within a reasonable timeframe constitutes a violation of XXXX. 
XXXX. Florida Consumer Protection Laws : In addition to federal laws, the actions of Lakeview XXXX XXXX and XXXX XXXX XXXX may also violate XXXX and Unfair Trade Practices Act ( XXXX ). By engaging in fraudulent debt collection efforts and failing to provide required documentation, they have committed unfair and deceptive practices in violation of Florida state law. 
FDUTPA Violations : The companys actionsattempting to collect on a fraudulent debt, ignoring cease and desist requests, and breaching my personal informationconstitute a deceptive trade practice that harms consumers. 
Impact on My Credit and Financial Standing : Although Equifax has removed the fraudulent loan from my credit report, the ongoing collection efforts by Lakeview XXXX XXXX and XXXX XXXX XXXX are continuing to cause harm to my financial well-being. These actions are detrimental to my XXXX XXXX and have caused significant emotional distress and financial hardship.

Company response to consumer: Closed with explanation