Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Northern Trust Company, The
State: FL

Complaint narrative:
Northern Trust Bank has been reporting me as nit paying my mortgage for 11 months XXXX XXXX. I payed my mortgage on time. 
This is apparently a line of credit but was filed into the courts at XXXX county as a mortgage for {$340000.00}. In XXXX of XXXX Northern Trusts employee XXXX XXXX informed me that my line of credit was up and not being resigned my ex husband. I made arrangements with Mr XXXX to give me an extra 8 to 10 months to sell my house which I put up immediately on the market. During this time a fake buyer was sent to me signed a contract destroyed my house in an inspection ( 10 different inspection at the same time ), now this was a fake inspection and I do have the proof, they damaged my house they never qualified and this heals me up for four months, then I had a terrible back up do to a pipe break and my house was flooded with XXXX! This was an insurance nightmare. Florida XXXX XXXX investigated me for ten months. 

I had already sold the house for {$000.00} profit {$4000.00} not XXXX but close after 34 years of paying on time every month 2 mortgage not one! 

I had a normal closing where all realtors fees had been payed by me! And my attorney too! And any closing costs. This doesnt happen when you are foreclosed on! Or in foreclosure! 
I had a credit score of over 800 as high as XXXX Within the year the Northern started tagging me as delinquent! I wouldnt have know about it if it wasnt for XXXX letting me know my score when down hundreds of points and I had my payments on automatic withdrawal. The closing or my ex husband could have stopped the pay auto but as soon as the bank let me know I had made my payments monthly at my local branch where they know me by name. 

I paid off the mortgage in full had a full closing Northern Trust turned this over to a local attorney, I told him ( XXXX XXXX XXXX ), this man opened 3 different foreclosure cases at the same time!!! 

Three open foreclosures against me on the same day on the same property ( both of these men are involved with someone I know that is trying to annihilate me ). 
I had a fully executed contract with a large down payment!! 
I have just closed the third open foreclosure this month XXXX XXXX! Last XX/XX/XXXX I had to hire a lawyer to close the 2nd foreclosure thats been open in the court records to ruin my name even farther if that is possible. 

I have another mortgage fraud problem that has to do with XXXX XXXX. I need help please I do not want access to my credit by all the mortgage companies I inquiring even though Ive not been looking for a mortgage. 
All insurance companies being able to go into my info! I have never committed insurance fraud but Ive been being almost pursued by XXXX XXXX ( what this guy did can not be legal ), all these kinds of things raise your rates and what kind of rate you are given for health insurance which is way to high for me to have {$810.00} a month for medigap coverage! Thats just not right. I had to turn my lease in 17 months early ( my XXXX ), my car insurance went from XXXX year to being cancelled for bad info bring out into my fill and XXXX reports had all the changes to my records.

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