Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
HUD stated I dont need counseling I dont need any government assistance as there is no mortgage in any system of theirs or the system period. I physically went to hud and phea! XXXX is claiming theres a mortgage when they can not find one. XXXX has been filing false court foreclosure documents. And a woman who called me stated my home is in my fathers name and my name. So someone entered a fraudulent deed into the court house and didnt put a satisfactory in. They told me all these foreclosures have been fraudulant. My homes been done paid off and nothing is in my name for my home yet XXXX is trying to black mailing me, ruin my credit, and claim I owe debts I dont own. Ive also had private investigators involved they couldnt find a mortgage neither. Never had a mortgage and XXXX would t ever. Let me see any accounts or give correct account numbers he knew it was paid and he knows XXXX XXXX dont pay her debts so he came after me which is illegal. Paperwork in court house and page names continue to change. So XXXX was commiting fraud through act XXXX, my mortgage was paid off in XX/XX/XXXX! I sent my proof and they said I never had mortgage in XXXX! So I own my home. And this is false debt hes putting on my credit score. Violated truth in lending, violated fair housing act and I signed papers of XXXX commiting fraud and willing to testify. XXXX false foreclosures. Then XXXX told credit bureau for car that it was bad credit write off when it was paid in full, I want all removed from my credit report. XXXX XXXX XXXX XXXX XXXX is the name of the bank and on credit report he even falsified the name of the bank. XXXX admitted to opening fraudulent accounts in my name and my wifes name I was never connected to XXXX XXXX. XXXX. XXXX or any of them! My mortgage is paid in full! It shows I have XXXX accounts in XXXX all paid in full and XXXX kept going in and turning unknown with paid dates reported to unpaid after XXXX needed mortgages. My mortgage only had XXXX due and it was paid. Long ago! Long long time ago! Nothing matches to original copies I have or that hud or phea has! XXXX rightfully owes me my XXXX acres across the road and my acre of my land I have the deeds to both. And satisfaction pieces are there I left investigating team know and will be meeting with another person this week so more lost wages from work which will be applied to damages n XXXX kept restarting the XXXX mortgage with credit reports fraudulently and on one of them he has XXXX mortgages listed. I never had XXXX I had one. It went from paid off to not paid at all! To closed and down to XXXX that is XXXX loan she took for a car that XXXX fraudulantly attached my name too and made it look like a mortgage. XXXX is what he was originally charging me receipts provided thats not a mortgage. XXXX took a already paid off car and made it look unpaid and did. 
Write offf bad credit auction. Thats not how it works XXXX got XXXX for an already paid off car. The phone number thats attached to my hacked email XXXX is in this sign for trailer sale and XXXX sent a trailer sale receipt to me prior to the sale he was stealing. Peoples already paid offf cars and homes. So tht why XXXX made it like home switched hands in court house. My deed is free and clear according to hud and so is my land across the road. So XXXX would have been caught with the act XXXX if I would have done that! XXXX debts are hers and legally shes not on my home. So the people XXXX has calling my wife and I with spoof numbers, our app reverses it and it shows a real number. So all these years of harassment for XXXX debt and XXXX debt. It was not my debt. I have nothing with neither one. My real mortgage was with my dad XXXX XXXX and myself. XXXX even signed a paper she was just member services and didnt want the home. XXXX owes me a lot of money

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