Consumer complaint received 2024-02-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please review first complaint # XXXX. I have receive telephone calls offering me money attempting to convince me to drop this complaint. My home computer and lab top have been hacked and also my XXXX has been blocked so I couldn't respond to the company responds. Every response from XXXX XXXX was lies except one. Which was the actual refinance amount on XX/XX/XXXX. Please review old information and new information. I mailed a response in a timely response only to have it returned stating wrong address. 

XX/XX/XXXX TO : United States Attorney XXXX XXXX of Texas U.S. ATTORNEY XXXX XXXX XXXX XXXX XXXX, XXXX Floor From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : Corruption Complaint : XXXX XXXX, I am a complainant that has filed multiply complaints with different government agency 's concerning the corruption that existed in the Department of Labor and the " Job Corps '' programs around the country. I also detailed the corruption that existed in the XXXX XXXX United States Attorney Offices in XXXX Texas. I have also documented other complaints with the government other corruption and retaliation I have experience at the hands of government employees before and after becoming a whistle blower. My attorney filed a whistle blower Qui-tam complaint with the courts and also a federal complaint of retaliation. This was handled by the so called United States Attorney XXXX XXXX who eventually orchestrated a collaboration between both attorneys who eventual just stop communicating with me. 
My past complaints were while documented and I'm sure you can review the complaints if you are having a memory lapse or if you were unaware of the XXXX XXXX scandal. During the last ten years I have been retaliated against after exposing the corruption and fraud at the XXXX Texas XXXX XXXX program. Over the course of time I found that instead of the government investigating XXXX XXXX or XXXX XXXX XXXX they were investigating me while also attempting to create a scheme to indict me for breaking the law. I have expose several instants where Agents of the Government had devised a plan to get me or my wife to sign a contract that was unlawful. Luckily we realized that the roofing contract were fraudulent. 
I have included with this correspondence a responds to the Consumer Federal Protection Bureau ( CFPB ) after filing a complaint concerning fraud and also tax fraud. I also attached copies of documents with the letter. Not once have I received a correspondence from your office or either attorney concerning the outcome of my ten years ' worth of complaints. The only thing I know is the government allowed XXXX XXXX to walk away with a slap across his hands. 
Sincerely, XXXX XXXX XX/XX/XXXX This is my reply to Consumer Response Team of Consumer Federal Protection Bureau ( CFPB ) and XXXX XXXX XXXX, who is the Executive Resolution Analyst for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 
This is clearly not a dispute, but XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX Tax Assessor office are conspiring together while committing a fraudulent scheme to retaliate against the complainant and to defraud ethnic descent taxpayers and XXXX  citizen taxpayers of their homestead exemptions. Texas law states that every property owner who lives in the State of Texas on XX/XX/XXXX of each year, is entitled to receive a homestead exemption. Ethnic descent and XXXX  citizen property owners are entitled to the same opportunity as every red-blooded XXXX who owns a home and receives a homestead exemption. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  has a duty and responsibility as a mortgage company to manage homeowners ' escrow accounts while also ensuring the homeowners ' property taxes and insurance amounts are paid accurately. 
On or around XX/XX/XXXX, I received a response letter from the Consumer Response Team of Consumer Federal Protection Bureau ( CFPB ) after filing a complaint with them. I also received an attached letter from XXXX XXXX XXXX which was responding on behalf of XXXX XXXX XXXX XXXX XXXX  XXXX after I had filed a complaint with CFPB. In my complaint, I referenced a fraudulent conspiracy between XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXXXXXX XXXX XXXX from the State of Texas XXXX While documenting my complaint, XXXX XXXX XXXX XXXX was alerted after I complained to both tax authorities in attempts of receiving my homestead exemption for the past ten years. While writing this document, I heard on the news that the state of Texas had just announced starting in XX/XX/XXXX, XXXX citizens would not have to apply for their homestead exemptions The tax exemption will be automatically calculated into their property tax calculations if they are XXXX years of age. This should have been done years ago. 
Every year the county tax authority sends out tax bills to property owners and the homestead exemption is not included in the calculation of the property tax. Mortgage companies also receive a tax bill for property owners of Texas. The tax bill that the county sends to the ethnic descent and XXXX citizens are elevated by XXXX XXXX dollars depending on the value of the home. This elevated tax bill causes inflation in the property owner 's mortgage payment. Thus, the property owner who possesses an escrow account will have an escrow shortage because the escrow payment will increase. This causes the mortgage company to raise the escrow payment, which causes the mortgage payment to increase by hundreds of dollars to account for the higher property taxes. Mortgage companies then mail out letters to the borrowers stating, " YOU HAVE AN ESCROW SHORTAGE '' in large letters. Most borrowers do not understand the equation that mortgage companies use to calculate the escrow for taxes and hazard insurance. I most recently sought help in learning the escrow tax module that mortgage companies use. Sometimes the fraudulent escrow letter is mailed out several times a year after the mortgage company gets greedy and uses the same explanation of an " escrow shortage ''. I recorded a phone call conversation while talking to an employee of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In the call, they stated they conduct three escrow analyses a year. All mortgage companies conduct one escrow analysis a year, usually after your taxes and hazard insurance are received for the year. Then, the mortgage company makes an adjustment after receiving the yearly taxes. As a borrower/mortgagee, I received three letters from XXXX XXXX XXXX XXXXXXXX XXXX  XXXX stating an escrow shortage or adjustment ( shortage ).

FRAUDULENT ESCROW SHORTAGES XXXX On XX/XX/XXXX, I received a letter from my mortgage company, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX stating my escrow analysis was conducted on my property at XXXX XXXX XXXX, XXXX Texas XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX stated that the analysis was conducted to ensure there were enough funds in my escrow account to pay my taxes and premiums. XXXX XXXX XXXX XXXX XXXX XXXX also stated that after conducting my escrow analysis, XXXX found an escrow shortage in the amount of {$4500.00}. I have attached the letter as " XXXX XXXX ''. 
On XX/XX/XXXX, I received another letter from XXXX XXXX XXXX XXXXXXXX XXXX XXXX that stated I had another escrow shortage of {$3300.00} in my escrow account. This balance is expected to fall below the required minimum balance. The letter also stated that the shortage repayment would be spread out over XXXX months which will raise my mortgage payment. 
On XX/XX/XXXX, I received a third escrow letter from XXXX XXXX XXXX XXXXXXXX XXXX XXXX stating in large letters that my escrow account had a shortage. This letter was worded just like the previous two letters received over five months earlier. The letters stated an escrow analysis of my escrow account was conducted to ensure that there were enough funds to meet the required minimum balance to pay my projected taxes and insurance premiums. Then, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX stated after the analysis, it was found that my escrow account had another shortage of {$3300.00}. This was the third escrow analysis shortage letter I received in four months. All three letters stated that I had an escrow shortage in my escrow account. The total of the three escrow shortages : {$11.00} XXXX. 
If this were true, my taxes would have exceeded over {$25000.00}. This amount surpassed twice the amount of my actual taxes with XXXX XXXX. My actual taxes due for XXXX were {$6700.00}. XXXX XXXX XXXX XXXX XXXX XXXXXXXX had forgotten that the above shortage lie was stated in the previous letter which I had already received. The letter I received stated that an escrow analysis of my escrow account was conducted to ensure that there were enough funds to meet the required minimum balance to pay my projected taxes and insurance premiums. Then, XXXX XXXX XXXX XXXX XXXX XXXX stated , after the analysis, it was found that my escrow account had another shortage of {$3300.00}. I must have been the luckiest guy in the world to have the exact escrow shortage down to the XXXX in two escrow analyses conducted within a couple of months. My escrow shortage amount matched the previous letter of {$3300.00}. These two shortages ' amounts were the same down to the XXXX. The real fact of the matter is, mortgage companies have one escrow analysis a year, unless the customer requests one. I requested XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX conduct a mortgage escrow analysis and was told to call back in ten days. After calling back I was shockingly told, " No ''. I made several other phone calls, but I was still denied. 
After fraudulently adding higher amounts to my XXXX escrow account, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX illegally raised my mortgage payments to {$3300.00} a month. From information and calculation by the end of XX/XX/XXXX, I would have paid into my escrow account well over {$16000.00} dollars for taxes and insurance. While my actual taxes for XXXX XXXX were {$6700.00}. 
Under CFPB noted in 1024.17 ( 2 ) and ( 3 ), " the servicer shall conduct an escrow account analysis upon establishing an escrow account and at completion of the escrow account computation year. The servicer 's initial statement is the first disclosure statement that the servicer delivers to the borrower 's escrow account. 12CFR 10.24.17 ( b ). The letter must include : The amount of the mortgage payment Portion of the monthly payment going into escrow account Anticipated disbursement dates The amount the servicer elects as a cushion Trial running balance for the account '' In XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX also fraudulently reported the tax disbursements in their XXXX IRS XXXX Statement. However, every number reported in their XXXX IRS 1098 Statement was fraudulent. Please review the attached IRS document in " XXXX XXXX ''. 
Below, I will highlight every statement XXXX XXXX made in his letter. I will also include supporting statements, documents and the Federal rules and regulations explaining the facts. This will clearly show the untruthfulness of XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 
STATEMENT : XXXX XXXX XXXX XXXX stated in his letter that the mortgage loan originated on XX/XX/XXXX XXXX, XXXX, in the amount of {$350000.00}. 
REPLY : Yes, I refinanced my mortgage with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX which is in XXXX, Texas. The interest rate was 3.875 % and the monthly principal and interest was {$1.00} XXXX. Attached is the Closing XXXX for this transaction. Please review the " XXXX XXXX '' attachment. 
STATEMENT : False XXXX XXXX stated that XXXX XXXX XXXX taxes were {$9100.00} and XXXX XXXX taxes were {$1.00} XXXX. He further stated XXXX XXXX XXXX XXXXXXXX XXXX  XXXX had no way of verifying the borrower 's tax accounts due to the accounts being confidential. No other information was available to review for either county. 
REPLY : My XXXX XXXX XXXX taxes were {$7700.00} and my XXXX XXXX taxes were {$1.00}, XXXX. The total taxes were {$8800.00}. XXXX XXXX XXXX XXXX XXXX XXXXXXXX had many ways to verify the borrower tax account. Yes, the account was confidential, but the account is always removed from confidential status any time the borrower is purchasing a home, refinancing a home, or the borrower himself can request to have his account removed from confidential status. I checked with the tax authority, and they stated the mortgage company may have called and requested all confidential information pertaining to their borrower including actual tax amounts owed to the county.

My account was confidential because I requested it. After working with the XXXX Police Department as a detective for 30 years. The confidential status protected my name only. My tax account was connected to my address which is public information with the lot number and tax amount owed. I would say to XXXX XXXX, " XXXX XXXX, you are an executive with XXXX XXXX XXXX XXXX XXXX XXXXXXXX You should have known this. '' XXXX XXXX 's above statement is untrue. Please review all the actual and the fraudulent tax documents attached to this document as " XXXX XXXX and XXXX. '' Or go to the county website. 
STATEMENT : False XXXX XXXX states that XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX can not in any way speak to or address any disputes or concerns the borrower may have had with any county tax agency prior to this original date. XXXX XXXX also stated XXXX had no evidence of receipt of request for approval of a homestead exemption prior to the concerns raised XX/XX/XXXX, by the borrower. 

REPLY : As I previously stated, this was a conspiracy between XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and the XXXX XXXX Tax Assessors of Texas . I am a mortgage client that XXXX XXXX XXXX XXXX XXXX XXXXXXXX purchased my loan from XXXX XXXX XXXX I didn't select XXXX XXXX XXXX XXXXXXXX XXXX XXXX. to be my mortgage servicer, but they still have a duty and responsibility to ensure that XXXX is paying out the accurate amount of taxes and home insurance before a XXXX leaves my escrow account. Especially, since XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX purchased this mortgage loan from another company. 
CFR XXXX024.17 ( 2 ) states, " the servicer shall conduct an escrow account analysis upon establishing an escrow account and at completion of the escrow account, a computation for the year. '' XXXX XXXX failed to conduct due diligence as the servicer of the loan to ensure the taxes and insurance were accurate. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX had a duty to follow up with the borrower concerning the actual tax and insurance amounts by letter or notify the borrower by telephone. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX represented the borrower , not the tax authority in Texas. XXXX XXXX made the statement, " No information or documentation was found in the loan closing that a homestead exemption was approved or had not been approved. '' Thus, it was XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX duty to do its due diligence and ensure XXXX XXXX XXXX XXXX Mortgage XXXX represented their new mortgage borrower . XXXX XXXX should have requested the tax authority to send out an updated and verified copy of the property tax bill and hazard insurance for the property located at XXXX XXXX XXXX, XXXX, Texas, XXXX. On the back of the property tax bill, it shows if the property taxes received an exemption. I have included the back attachment to the tax bill. Please review the attached document. You will find the back side states the exemption was not given. Then, the second copy states for the same year, an exemption were given. Why did XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX state in the XXXX IRS 1098 tax statement that they disbursed {$11.00} XXXX for property taxes and {$3000.00} in hazard property insurance which totaled {$14000.00}? XXXX XXXX previously had stated in his letter that XXXX XXXX property taxes were {$9100.00} and XXXX XXXX taxes were {$1.00} XXXX which totaled {$10.00}, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX also reported in XXXX, in the IRS 1098 Statement that they paid {$3000.00} for hazard insurance. But in XXXX XXXX 's letter, he was quoted as saying, " The amount of insurance XXXX XXXX XXXX XXXX XXXX XXXXXXXX paid in XXXX XXXX XXXX. '' XXXX XXXX also stated that XXXX XXXX XXXX, was the coverage dates they paid insurance. XXXX then states, " no other payments have been made from this escrow to hazard insurance ''. But XXXX XXXX XXXXXXXX reported to the IRS they paid hazard insurance totaling {$3000.00} which was documented in the IRS 1098 statement as a disbursement they paid in XXXX. The " XX/XX/XXXX '' insurance had been prepaid by the borrower and XXXXXXXX XXXX  XXXX to XXXX after the closing on XX/XX/XXXX. Please review the actual taxes and insurance documents attached as " XXXX XXXX  '' Also review the closing disclosure that explains the prepaid taxes and insurance disbursement. 
XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX failed to include the closing prepaid items from the loan that XXXX purchased. The borrower prepaid into the escrow account an escrow cushion of {$4800.00}. This amount included prepaid property taxes of {$3700.00}. Also prepaid in the loan was the hazard insurance totaling {$2600.00}. XXXX XXXX stated in his letter that the initial annual premium amount was referenced as being {$2400.00}. But the amount billed in XXXX was {$2900.00}. But in the disclosure document, it states " homeowner 's insurance prepaid totaling {$2600.00} ''. Again, XXXX 's first mortgage statement to the borrower received on XX/XX/XXXX, makes no mention of homeowner 's hazard insurance in the escrow account or prepaid insurance. The XX/XX/XXXX, statement does mention the escrow prepaid tax cushion of {$4800.00} that should have been placed in the escrow account. On XX/XX/XXXX, the borrower 's mortgage payment statement totaled {$2600.00}. The escrow payment was included in the mortgage payment of {$960.00} x nine months for a total of additional escrow amounts of {$8600.00} that the borrower/homeowner/XXXX XXXX paid into the XXXX XXXX escrow account XXXX The totals at the end of the 2022 year for the borrower 's escrow account with XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX totaled {$20000.00} XXXX I have attached the closing disclosure statement from the loan that XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX purchased from XXXXXXXX XXXX. The closing disclosures attached will be referred to as " XXXX XXXX ''. I have also attached the XXXX XXXX mortgage statement from XXXX XXXX XXXX to this document, and all months will be referred to as " XXXX XXXX ''. 
STATEMENT : False XXXX XXXX states in his letter on the third paragraph that he had enclosed a one-year escrow analysis statement dated XX/XX/XXXX. He also included another analysis completed XX/XX/XXXX, that was referenced in the correspondence. 
REPLY : If you review all the attachments, you will find that XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX analysis statements just don't add up There are big discrepancies in his XXXX analysis statements, and my monthly statements mailed over the year. XXXX and XXXX XXXX are not running a mortgage company, but assisting in a national dark money operation. I also attached all the documents that are associated with this loan for XXXX. Why didn't XXXX XXXX include an analysis for every month XXXX received payments from receiving this loan? I have kept all the originals of closing documents. Also, on IRS 1098 tax document, the company name in the top left-hand corner, the company name is " XXXXXXXX XXXX XXXXXXXX XXXX The document also tells the total property taxes paid in XXXX is {$14000.00}. That value is another fraudulent statement to the Internal Revenue Service. The correct taxes XXXXXXXX XXXX XXXXXXXX paid in XXXX is {$7800.00}. Included with XXXX XXXX tax bill paid of {$6700.00} was XXXX XXXX for {$1.00} XXXX. The total taxes paid to both counties totaled {$7700.00}. XXXXXXXX XXXX XXXX further stated in closing, the escrow account was short which left my account in the red with a negative balance of < {$1.00} XXXX>. Even though the actual tax amount for both counties in XXXX, was {$7700.00}, not {$10000.00}, the fraudulent amount of {$13000.00} that XXXXXXXX XXXX  XXXX listed on the IRS 1098 Statement for XXXX XXXX tax bill. 
There are three parts to this criminal scheme : is overcharging the minority taxpayer homeowner by refusing to include the homestead exemptions deduction in the taxes when they are mailed out to the homeowner. Then, the homestead exemption is added to the taxes at the end of the year. This drops the taxes by thousands of dollars. I was overcharged in XXXX by an estimate of {$5500.00}. Since sending letters about the tax scheme this year, in late XXXX, I received {$2300.00} returned from XXXX XXXX taxes and {$3200.00} returned from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 
is the mortgage company telling a borrower they conducted an escrow analysis and finds their escrow account short thousands of dollars? When the higher tax amount is paid by the homeowner, the assessed value is re-adjusted after the homeowner makes their tax payment. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Assessor Offices are criminally committing fraud by stealing the remaining amount of taxes that is left over in the escrow account. Then, the mortgage company tells the minority homeowner that they have a shortage in their escrow account. At the beginning of XXXX, XXXX XXXX XXXXXXXX sent me a 1098 IRS tax document that listed fraudulent detailed disbursements for the year XXXX. They also reported a negative closing escrow balance on my account. The following year, XXXX XXXX XXXX XXXX XXXX XXXXXXXX sent me an elevated mortgage statement with a new escalated escrow amount of thousands of dollars higher than the original XXXX XXXX tax rate XXXX 
The tax assessor sent out two tax bills that included the homestead exemption was {$430000.00} x XXXX tax rate = {$1.00} XXXX. This is the tax amount due for XXXX city taxes. The XXXX XXXX assessed taxable value included the homestead exemption amount was {$470000.00} x XXXX tax rate = {$5700.00}. This is the tax amount due for XXXX XXXX taxes. If you add the two taxing entities together, {$1.00} XXXX + {$5700.00} = {$7700.00}. This is the XXXX XXXX tax amount for XXXX. The fraudulent taxes paid by my mortgage company, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Tax Assessor was {$10000.00}. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX must think their property owners of color can't count. The correct XXXX tax bill for XXXX XXXX taxes was {$7800.00}. Please, review attachments " XXXX XXXX XXXXXXXX, and XXXX. '' is the billing for hazard insurance? The insurance company that covers my home hazard protection is XXXX XXXX. I recently had several meetings with the XXXX agent at XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX mailed an IRS Tax Document 1098 for me to file my property taxes at the end of the year. The balances of deposits, disbursement and escrow closing balances for the end of the year must be correct balances before submitting to XXXX XXXX customers and the IRS. Through interviews, information, and documentation, XXXX XXXX XXXX XXXX XXXX XXXXXXXX is committing fraud while sending fraudulent documents to mortgage customers and the IRS. Listed on my IRS 1098 tax document, XXXX XXXX XXXX states they disbursed {$3000.00} to my hazard insurance. This information is another fraudulent statement by XXXXXXXX XXXX XXXX. Please review attached document " XXXX XXXX ''. 
Question : Who Is XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ? 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX bought my mortgage from XXXX XXXXXXXX at XXXX XXXX XXXX, XXXX, Texas, XXXX. This purchase happened within the first month of my refinancing my mortgage. The same individual that owned XXXX XXXX and closed my first loan now owns and operates XXXXXXXX XXXX  XXXX at the same location. I tried to research XXXX XXXX and found two other names, " XXXX XXXXXXXX XXXX  '' and " XXXX XXXX XXXX '' that were listed on the internet. The company name " XXXXXXXX XXXX XXXXXXXX '' is listed on the fraudulent 1098 IRS forms I mentioned earlier in this document.

I am a " whistle-blower '' that has been retaliated against since giving a secure, protected deposition to the U.S. Attorney . I was retaliated against soon after sharing information about a Texas company named XXXX XXXX XXXX that fraudulently filed false billing claims to the government. XXXX has damaged my life since I spoke out. My civil rights have been illegally trampled over the last ten years. I have filed several complaints with CFPB concerning my credit scores and mortgage applications. Please check my complaints of mortgage discrimination against " Better Mortgages ''. This occurred three months before XXXXXXXX XXXX XXXXXXXX stated they purchased the loan ; I was rejected by two mortgage companies in XXXX XXXX. Ask yourself this question : How did XXXX XXXX get the mortgage? Next, ask yourself, how did XXXXXXXX XXXX XXXXXXXX buy the loan from XXXX XXXX? " XXXX XXXX '', the government money-backer, purchased my mortgage from another mortgage company. Please investigate this because I plan to. This mortgage has been sold about five times in 30 months. 
I gave detailed fraud information that should have been protected, but it wasn't. I attended a private deposition at the XXXX XXXX United States Attorney 's Office in XXXX, Texas. The information was investigated, and XXXX XXXX XXXX XXXX admitted to sending false claims for payment to the United States government XXXX XXXX XXXX has admitted to violating the kickback statute after providing payment to the CEO, XXXX XXXX, of the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  for providing fake diplomas to millions of students that attended XXXX XXXX XXXX XXXX XXXX XXXX. According to information, it is believed several other agencies were found to have helped with this fraud. 
XXXXXXXX XXXX  XXXX XXXX XXXX is located at XXXX XXXX XXXX, XXXX, Texas, XXXX. Is it just coincidence that the XXXX XXXX XXXX XXXX is at XXXX XXXX XXXX, XXXX, Texas, XXXX? And the XXXX XXXX XXXX XXXX is at XXXX XXXX XXXX, XXXX, Texas, XXXX? Also, the Texas Attorney General Inspector was accused of trying to conceal the fraud after first investigating my accusation and reporting that the incident was unfounded. Texas Attorney General XXXX XXXX also lives in the city of XXXX, Texas. 
Over the last years, I have not been able to get a copy of my updated credit report from the internet nor have I been able to get into my XXXX XXXX account that's available on the internet or off the app which is on my cellular phone. Through information and belief, I have been under a cyberattack where my personal information and credit cards numbers have been stolen and fraudulently used. I suspect that my two property mortgages have new mortgage names which were switched by XXXX XXXX XXXX XXXXXXXX XXXX XXXX without my consent and new amounts have been posted on my mortgage over the past two years. Also, my property in XXXX, Illinois was with XXXX XXXX, but now the name is " XXXX XXXX XXXX XXXXXXXX ''. I have continued to request help from the F.B.I. and any other government whistleblower assistance programs with negative results. I have received little help from the agencies, but the problems still exist. Even my XXXX has been hacked and files have been destroyed after giving a secure, protected deposition to the XXXX XXXX United States Attorney, XXXX XXXX. 
Most recently, I have gained access into my XXXX XXXX account and found my credit scores had dropped, but surprisingly, I noticed listed on my credit report that I had obtained a mortgage with XXXXXXXX XXXX XXXXXXXX in XX/XX/XXXX. I have never applied for a mortgage with XXXXXXXX XXXX XXXX, nor have I attended a closing where I signed any documents with XXXX XXXX  XXXX. This is the same XXXX XXXX XXXX that sent a fraudulent document to me and the Internal Revenue Service. Recently while working on this document, my civil rights were violated again. While at the XXXX XXXX preparing this document, I was being surveilled and my computer and documents were being changed to XXXX. I chose to use the library thinking I was protected from the same tampering that was occurring at my residence, but I was wrong. I have the right to freedom of speech while also I have a right to file a whistleblower complaint. I also have a right to obtain counsel without interference from government agencies. 
I have a rental property at XXXX XXXX XXXX in XXXX, Illinois, XXXX. This property was mortgaged by XXXX XXXXXXXX XXXX and then the company was purchased by XXXX XXXX. The mortgage company has been showing as XXXX XXXX 's since XXXX. Recently, since getting access into XXXX XXXX, I noticed my mortgage was showing that I had bought or refinanced my mortgage with XXXX XXXX XXXX  16 months ago. The address of the company was shown somewhere in XXXX, Texas. Again, I have not purchased a new mortgage, nor have I refinanced my property in XXXX, Illinois Early part of XXXX, I filed a complaint with the F.B.I. concerning Individuals trying to get my signature while I was in the library in XXXX, Texas. 
I have detailed the fraudulent activities and attached supporting documents that corroborate my accusations. Through information and investigation, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX are collaborating with the XXXX XXXX Tax Assessor and are defrauding citizens of ethnic backgrounds by overestimating their tax amounts and by not calculating their homestead exemptions into their initial home tax assessment. Further, these mortgage companies and other tax assessors ' offices are endorsing the same fraudulent activity towards ethnic citizens and XXXX citizens in other Texas cities. 
For several years XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Assessor and other mortgage companies who supply escrow accounts for property owners in XXXX XXXX, Texas has defrauded me by overcharging me on my county taxes and hazard insurance. They have given me false information as a customer so XXXX XXXX XXXX XXXX XXXX XXXX could escalate my taxes by refusing to include my homestead exemption thus causing my taxes to skyrocket which also forced me to pay a higher mortgage payment and raise my escrow account. Thus, I have been forced to pay higher property taxes and high

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation