Consumer complaint received 2024-11-06 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Fraudulent Mortgage Account Credit Reporting Dispute with XXXX XXXX and Nationstar Mortgage ( Mr. Cooper ) Hello CFPB Agency, I am writing to formally request assistance regarding a fraudulent mortgage account that has been reported in my name by XXXX XXXX and Nationstar Mortgage ( Mr. Cooper ). I believe this account was opened fraudulently in XXXX, using information they obtain from a XXXX15 year fixed rate Home Equity Loan that I had with XXXX XXXX XXXX XXXX without my knowledge or authorization, and I am seeking the CFPBs intervention to correct this matter. 

Details of the Complaint Account Information : Companies-Rushmore Servicing, XXXX XXXX XXXX, XXXX, TX XXXX XXXX and Nationstar Mortgage ( Mr. Cooper ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 
Nature of Account -Fraudulent Mortgage Loan Reporting with the 3 Credit Bureaus Dates Referenced- This fraudulent account has appeared under different dates, and amounts, including but not limited to XXXX, XXXX, and XXXX. {$73000.00} and {$120000.00} Summary of Dispute This is a Fraudulent Mortgage Account- I did not apply for, authorize, or sign for any mortgage loan with either XXXX XXXX  or Nationstar Mortgage in XXXX or at any time. I have never initiated, received, or approved any loan from these companies. 
Impact on My Credit Report- I was alerted by XXXX Identity Works XX/XX/XXXX regarding a Majory Derogatory repot and change to my credit reoprt file. This unauthorized mortgage account has appeared on my credit report negatively impacting my credit score and financial standing. Despite my efforts to dispute and resolve this directly with the companies involved, the account remains on my report. 
Supporting Documentation : I have taken extensive measures to address this fraud, including : Filing an identity theft report with the Federal Trade Commission ( FTC ), Filing a police report with the XXXX Police Department, Assembling all supporting documents to verify my dispute and identity. 
To resolve this issue, I respectfully request that the CFPB take the following steps to assist me : Immediate Removal-Ensure the fraudulent mortgage account is removed from my credit report. 
Cease Collections and Reporting -Require both XXXX XXXX and Nationstar Mortgage to stop all debt collection efforts and credit reporting associated with this fraudulent account. 
Help me with confirmation of actions -Provide me with a written statement confirming the completion of these corrective actions. 
I am including the following documents to support my case : FTC Identity Theft Report XXXX Police Department Report and letter sent by email and certified mail to the lender. 

This fraudulent account has caused me significant XXXX, and these fraudulent lenders are threatened to foreclose on my property for a mortgage loan that I am not responsible for. 
I am seeking the CFPBs assistance in correcting this serious issue as soon as possible. 
Please feel free to contact me should you need any further information. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation