Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Guild Holdings Company
State: TX

Complaint narrative:
Date : XX/XX/year> To : Guild Mortgage Company XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX, Substitute Trustee From : XXXX XXXX, Sui Juris Beneficiary of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owner ) Non-Surety, All Rights Reserved Without Recourse XXXX XXXXx XXXX XXXX, TX XXXX Beneficiary Address of XXXX XXXX for verification purpose only and not to be used for any other reason or XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Texas XXXX XXXX All official business goes to above trust address in XXXX, Texas. 

Subject : FCRA / Mortgage Fraud Complaint False Reporting of Foreclosure & Closed Account-Not a duplicate Complaint Credit Profile of Consumer altered and Affected cc : XXXX  Background and Case History This complaint concerns Guild Mortgage Company XXXX XXXX XXXXXXXX, and substitute trustee XXXX XXXX XXXX 

I am Plaintiff in XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX XXXX. Guild Mortgage Company XXXX XXXX XXXX XXXX XXXX XXXX, a quiet title action arising from mail fraud, forged documents, and fraudulent foreclosure practices. 

Expert testimony and documentary evidence filed in the XXXX XXXX real property records proved that Guild and its agents engaged in fraud. 

After suit was filed, foreclosure proceedings were stopped. 

Despite this, Guild Mortgage has reported on my credit file that the mortgage account is closed and in foreclosure as of XX/XX/year>. This is false, misleading, and has not been corrected despite multiple disputes and foreclosure stopped. 

Violations and Harm False Credit Reporting FCRA ( 15 U.S.C. 1681s-2 ( b ) ) Furnishing inaccurate information by reporting a foreclosure when no lawful foreclosure has occurred.

Refusal to update the account despite repeated disputes and submission of documentary proof. 

Mail Fraud & Misrepresentation As previously evidenced in court, Guild and its agents knowingly used fraudulent documents in county records to attempt foreclosure. Continuing to report a foreclosure tradeline compounds this fraud.

Failure to Investigate Disputes FCRA ( 15 U.S.C. 1681i ) Guild claims to have responded to CFPB disputes but has never provided chain of title, assignment, or ownership proof. Guild continues to mislead CFPB into thinking they have responded and have not. They will send another coupon statement as response. Still no proof of ownership. 

Reporting continues unchanged despite clear documentary evidence and ongoing litigation. 

XXXX XXXX and Actual Damages As an XXXX XXXX veteran, the false foreclosure tradeline has directly harmed me. 

It has destroyed my credit profile, prevented me from renting vehicles needed for mobility while my car is under repair, and caused irreparable financial and emotional harm. When I went to renew my rental agreement for additional days, my account as flagged " do not rent '' due this on report. My things were placed out of vehicle and left outside of XXXX parking lot while I had to wait and pay for uber to take me to domicile and XXXX XXXX 

Guild also continues engaging in mail fraud sending security instruments to the wrong address. They have been informed at least 7 times to stop sending previous owners information to trust address and refuse. We in turn just send it back noting they once again sent to incorrect address as no XXXX XXXX resides at the XXXX XXXX nor receive mail there. Neither myself or XXXX XXXX own the property in question and although the credit bureaus received notice, after the last complaint to CFPB they attempted illegal non judicial foreclosure which was stopped because we reported verified mortgage fraud and that they had no standing to foreclose. This what led to the Quiet Title Suit still ongoing. 

The third party agency XXXX XXXXXXXX XXXX XXXX XXXX XXXX after sending notice and evidence, not only refuse to acknowledge it but updated this tradeline to : " closed, foreclosure proceedings taking place '' These third party agencies did this without notice per USC 1681.

Guild never notified the trust this was happening nor myself which they tried to charge the foreclosure against and I do not own the trust corpus in question. They would have foreclosed on two people that don't even owned the property and a mortgage audit not discovered this and investigation into XXXX XXXX Property records. The homestead in question is barred form non judicial foreclosure as well. This not a duplicate complaint. They have now moved on to damage credit report. 

Also, Guild has no power of attorney over myself or the previous owner XXXX XXXX which is reflected in IRS documents. They were also provided with per law, notification that they had no authority and was revoked form reporting anything to third party agencies yet they continue to report information without authority or permission and refuse to update XXXX XXXX and XXXX on this. This was revived by them via registered mail and sent to their trustee. 

We reserve the right to add other defendants to Quiet Title suit as discovery progresses. 

Damage compounded by loss of transportation and daily XXXXrelated hardship. 

Damages Claimed ( as of XX/XX/year>XXXX XXXX Loss of creditworthiness, denial of vehicle rentals. 

Emotional distress, humiliation, and hardship caused by foreclosure reporting. 

XXXXrelated damages due to loss of transportation and mobility access. 

Out-of-pocket costs and continuing damages from inability to obtain basic services. 

Total damages sought : To be determined in litigation, but no less than statutory damages under the FCRA plus actual damages ( estimated in excess of {$5000.00} and increasing daily ). 

Relief Requested Immediate removal of the false foreclosure tradeline from all consumer credit bureaus.

Removal of the tradeline until Guild Proves Legal Standing other than sending coupon statement.

Written confirmation that Guild has corrected all consumer reporting related to this account. 

Full accounting of what documents Guild relied upon to report foreclosure status. 

Compensation for actual damages caused by this false reporting. 

Enclosures ( for verification only ) : Copy of government-issued ID ( passport, limited use only ) Proof of address ( utility bill or bank statement ) Beneficiary SSN ending in XXXX These documents are provided solely for verification of this dispute under the Fair Credit Reporting Act and may not be used for any other purpose. No admission of liability is made. 

Respectfully, XXXX XXXX, sui juris Beneficiary of XXXX XXXX XXXX XXXX Non-Surety, All Rights Reserved without recourse

Company response to consumer: Closed with explanation