Consumer complaint received 2025-04-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Original Complaints spanning 8 - 10 Years ago, no action taken by CFPB itself other than listing to XXXXXXXX XXXX saying everything is ok, when it is clear not. see below and Fair Resolution Box in this complaint. ( Current Date now XX/XX/XXXX ) ID FOR COMPLAINT SENT TO XXXXXXXX XXXX XXXX Your complaint Complaint Number XXXX My Complaint to ConsumerFinance.gov is that a Human being needs to Read my previous complaints from 2 years ago. I've referenced the Complain Numbers below. Bascially in the first Complaint about XXXX, this Consumer Finance Orginization has done nothing to help myself and my family. Again this originated in XXXX, it is now XXXX. What i described below is Morally and Legally wrong on all Fronts. 
You folks take pride in Reporting, and susposedly Resolving Consumer Issues, but for me and my family we have suffered. It is not right that I can not obtain any Mortgage of any sort due to my DTI ( Debt to Income ) Ratio being at 95 % due to a Home I do not live in, but is still reported on my Credit Reports as if I do and make use of. I am no longer on the Deed of the home below, so have no say so. My X-wife is basically ignoring my requests for her to sell the home or refinance it. 
My new Wife and Family can't enjoy the comforts and pride of home ownership due to my name being on my X-Wife 's Mortgage Note. I've re-married in XXXX .... 
This is a sad time in our lives and as a country to see this unfairness and lack of justice for over 7 years now. 
The Government sould Force XXXXXXXX XXXX, and now comically known as XXXX XXXX XXXX, to remove my Name from all Credit Reports as it relates to XXXX XXXX. Lawyers say they can't help me. 
Perhaps someone in this Sea of Information will see a faint battered Red Flag my Family and I are holding up in need of help... 
My Contact Info is Below again for Reference ... : ( and yes i'm still in an Apartment... ) XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX XXXX, FL XXXX XXXX ( to XXXX ) XXXX ( to CFPB ) Hello, This Complaint is in reference to XXXXXXXX XXXX in Texas and XXXXXXXX XXXX XXXX bought XXXX XXXX }. I am stuck in a Financial Situation where I can not move forward with obtaining any type of Mortgage because by Debt Ratio is 97 % against a Property I no longer own or Reside in, but my X-Wfie still resides in. Because of a Court Ordered Decision Involving a Divorce Settlement in XXXX, I was forced to sign a Pro-Quit Claim Deed assigning ownership to my X-Wife. I insisted that since we could not refinance the property { 3 prior attempts }, that my name would not be removed from the Mortgage at that time XXXX XXXX My X-wife mentioned to the Judge that a Loan Modification could be performed so she could make affordable payments to stay in the Home. The only Issue I had with that is even if the mortgage was modified to a lower payment, my name would not be removed from the Mortgage. Well, the Divorce proceeded, and after months of paying my x-Wife additional court order spousal support to maintain payments on the home until the payments were modified ( 10 months later ... ). But when i went to check a few months after it was modified, my name was still on the Mortgage. I called XXXX, and they said the mortgage was bought by XXXX. Then XXXX sent me a letter after I inquired about it, that they could not remove my name from the Mortgage unless i refinanced the Loan. I explained to them I no longer have ownership of the Home, due to the quit-claim-deed. This time frame was XXXX. After a few years of hoping my x-Wife would be reasonable and refinance the home under her own name, there still exists the same result as back in XXXX. She is either unwilling or unable to refinance the home, her payments are affordable but my name is still on the Mortgage. I have struggled financially since XXXX, unable to buy a decent Car, and unable to get approved for any type of Mortgage because my debt ratio is 97 %. The difference now is that in XXXX I got married and have a larger family. I believe this is Legally and Morally unfair to me and my new Family as I can not provide for them any type of Home, due to a mortgage that is sitting on my Credit Reports at 97 %, and again a property I do not own according to the County Reporters office, but only on XXXXXXXX XXXX XXXX books. I have made multiple attemps this year with XXXXXXXX XXXX, with Phone Calls and Emails, but unable to speak to a True Manager there. This situation is Fincially hopeless, unless my name is Removed from XXXXXXXX XXXX XXXX. I can then move on with my Life Financially for my new Family. 

Consumer disputed date and time XX/XX/XXXX XXXX ET Consumer response The Company { XXXX } did NOT address my Issue. The Original Mortgage was held by XXXXXXXX XXXX, but bought by XXXX. Again, this Financial Situation is Legally and Morally unfair. The Divorce Court insisted I sign over all rights to the Property/House over to my X-Wife back in XXXX of XXXX via the pro-quit Claim Deed Document. The Attached Divorce Papers contain the Court Case Number, where Transcripts can be heard or reviewed if CFPB pursues this. My x-Wife and myself were living in seperate residencies since XX/XX/XXXX. I specifically mentioned to the Judge that I did not want to sign the pro-quit claim deed, because at that time the House could not be refinanced, due to Negative Equity. And serveral attempts prior to the Divorce we were denied refinancing. With these facts in hand, i did not care to sign over the house. But my x-Wife, her Lawyer Insisted to the Judge through Direct Testimony, that XXXXXXXX XXXX at that time would Indeed Remove my name from the Mortgage after the Loan Modification took place after a few months. They Insisted to the Judge that in order to begin Processing the Loan Modification XXXX XXXX Required a Hardship Condition { the Final Divorce Decree } AND ALSO THE PRO-QUIT CLAIM DEED to be signed. The Judge listened to my concerns and made a comment similar to ... { XXXX XXXX, if the Mortgage Company said this is all they require, the Divorce Decree and the pro-quit Claim-Deed to reduce the Mortgage Payments and REMOVE your Name from the Motgage itself, well you should jump on that opportunity " like XXXXXXXX XXXX XXXXXXXX ''. } I continued to Insist it wouldn't work and that my name would be stuck on the Mortgage. The Judge listened to my concern and ordered me to sign the pro-quit Claim Deed over to my x-wfie based on what I mentiioned in the brackets above. As a result { 10 months later, and after having to pay my x-wife {$500.00} additional spousal support each month in order for her to stay in the home }, the loan was modified to a lower payment so my x-wife could afford it. But XXXXXXXX XXXX and XXXX has not removed my name from the Mortgage, something I was expecting shortly after the Loan Modification. I signed the pro-quit claim deed, 1st beause I was ordered to do so, and 2nd because after great concern, was told my name would In fact be removed from the mortgage, with my x-Wife 's and her Lawyers Testimony that in fact would happen. The Court Transcripts will indeed prove these statements did in fact occur. I have read online that a pro-quit claim deed could be cancelled or reversed only certain conditions and one of them being your were lied to or coerced into signing it. I believe CFPB should Investigage this coercion. I feel i have been duped Legally, Morally and Financially with my Credit/Debt Ratio now being at 97 % since XXXX. As I mentioned in the initial Dispute to CFPB, i have married in XXXX, have a XXXX of XXXX including myself, and my XXXXXXXX XXXX that visit twice a month. My Current XXXX XXXX XXXX XXXX XXXXXXXX XXXX and is not Employed. I am the only member of my Family with Income, but I can not even apply for any type of Mortgage Loan to provide for my Family. The Mortgage Company XXXXXXXX XXXX should not have processed the Loan Modification without removing my name from the Mortgage. If i would have known this would have taken place, I would not have signed the pro-quit claim deed at all. CFPB should Investigate this as well. Again I can not apply for any type of mortgage for serveral years now. My x-Wife is either unwiling, or financially unable to put a 20 % down payment on a refinance plan to put the mortgage only in her name. Meanwhile, everyday she stays in the home, myself and my family can not move into a House myself. Legally this should never have taken place. Please Provide any Assistance as i can not move forward Financially to obtain a Mortgage again.

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