Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
AFFIDAVIT OF XXXX XXXX Stop and Cancel fraudulent Zombie Mortgage Trustee Sale on my property scheduled for XX/XX/XXXX Dear CFPB, I, XXXX XXXX, am filing this complaint to demand, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), Real Time Resolutions , Inc. ( RTR ) and XXXX XXXX XXXX XXXX XXXX ( RRA CP ), a Delaware Statutory Trust incorporated in XXXX, cancel a Fraudulent and Zombie Mortgage Trustee Sale scheduled for XX/XX/XXXX on my property XXXX XXXX XXXX XXXX, CA XXXX. ( Exhibit A ) There is NO CONTRACT, NO SIGNATURE AGREEMENTS between me and XXXX, XXXX and XXXX XXXX it was created through Identity Theft. 
Even if the alleged account was valid which I strongly dispute, the account Statue of Limitations is time barred per : CFPB Guidance on Time-Barred Debt : On XX/XX/XXXX, the CFPB issued guidance stating it is illegal for debt collectors to sue or threaten to sue for debts past the statute of limitations. ( CFPB Press Release ). ( Exhibit B ) Further, in correspondence from Real Time Resolutions Inc. dated XX/XX/XXXX ( Exhibit C ) page XXXX paragraph XXXX, the anonymous Research department signatory admits to knowing of this fact and points it out to XXXX XXXX, the addressee. In another correspondence of the same date ( Exhibit C ) from XXXX XXXX, Corporate Counsel for RTR he confirms the same point again on page 2. RTR and its executives thus have shown a knowing willingness to disregard the law and all other parties are hereby put on NOTICE.

Notice of Non-Compliance with CA CIV Code Section 2923.5 ( b ) On XX/XX/XXXX of XXXX XXXX XXXX swore out an Affidavit of Non- Compliance with CAL CIV Code Section 2923.5 ( b ) that there was no evidence of any due diligence to comply with the law ( Exhibit D ). This can only suggest that there was willful negligence involved.

Moreover, through Bankruptcy Proceedings the Lien was Voided : On XX/XX/XXXX, my wife, XXXX XXXX, filed for bankruptcy ( Case # XXXX, Northern XXXX XXXX California XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX issued an order voiding the XXXX from XXXX ( Exhibit A : Order Voiding XXXX. ( Exhibit XXXX ). 
Fraudulent Assignments : Despite the lien being voided on XX/XX/XXXX, a fraudulent corporate assignment of the Deed of Trust to XXXX XXXX XXXX XXXX XXXX was recorded on XX/XX/XXXX, nearly two years after the lien 's voidance ( Exhibit F ). 
Substitution of Trustee Fraudulent Notary : XXXX XXXX, Texas Public Notary fraudulent and forged notary Substitution of Trustee # XXXX -- XXXX recorded on XX/XX/XXXX on my property here in XXXX XXXX XXXX, CA. Included are XXXX more instruments notarized by XXXX XXXX to confirm notary signatures fraud recorded several counties including XXXX XXXX XXXX, CA, XXXX XXXX XXXX, CA and XXXX XXXX, WA ( Exhibit G ). 
Penal Code 115 PC makes it a crime knowingly to file, register, or record a false or forged document in any public office within the state. Doing so is a felony punishable by up to XXXX years in jail or prison. 

Alleged Misconduct : The actions of XXXX XXXX ( RTR CEO ), XXXX XXXX ( RTR CFO ), XXXX XXXX XXXX ( RTR Secretary ), and XXXX XXXX ( XXXX XXXX XXXX ) demonstrate a pattern of allegedly fraudulent practices, including : o Fabrication of loan accounts. 
o Recording fraudulent instruments ( e.g., Substitution Trustee, Assignments of Deeds of Trust, Notices of Default, Notice of Trustee Sale ). 
o Attempting to foreclose on time-barred debts o Attempting to foreclose on Voided Lien through Bankruptcy Without prejudice, XXXX XXXX

Company response to consumer: Closed with explanation