Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
reporting agencies have improperly and unlawfully reported things in my consumer credit report that are erroneous incorrect and untrue. Everything that has been reported without my consent and has not been verified to report ( all information on the report is inaccurate as well as refusing me work as I diligently tried to obtain property and other financial gain ..These and accuracy is have drastically change the quality of my life for the worse. I also have entries that are erroneously reported that belong to a female that has nothing to do with my report ..The files appear to have been merged ..There was never the slightest attempt to contact me prior to reporting these things which is lawful per statute 602 of the Fair credit act. merged credit file occurs when a CRA totally combines the credit files of two or more different consumers into a single credit file so that ( a ) one consumer has a trove of personal and account information in his or her credit file ( and on his or her credit reports ) that does not and never did belong to that consumer, and ( b ) another consumer 's entire credit history essentially disappears because a credit bureau has placed all ( or nearly all ) information that should be in the consumer 's credit file into the file of another consumer. A merged file, in other words, happens when XXXX, XXXX, XXXX, or XXXX places information that belongs to two ( or more ) separate individuals into the credit file of just one of those individuals. As such there is a merged file, the credit file of one or other individuals can be totally or nearly merged out of existence. Mixed and Merged Credit Files are a well-recognized issue at all major credit bureaus Generally, because credit bureaus like XXXX, XXXX, and XXXX -- in violation of 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) -- fail to follow reasonable procedures to assure maximum possible accuracy of information that these CRAs report about consumers, mixed and merged credit files have been a well-recognized and frequently prosecuted problem for decades. Recently, the New York Attorney General filed charges and settled claims with XXXX, XXXX, and XXXX concerning, among other issues, the prevalence of mixed files. The settlement agreement between the New York Attorney General and XXXX, XXXX, and XXXX, dated XX/XX/2015, I am a victim of merged file and am entitled to compensation if the information is not deleted. To protect my rights to maximum possible accuracy of information on your consumer reports ( based on common law defamation principles ) and to assure that only people who should see consumer reports about you do see consumer reports about you ( based on common law privacy principles ), the FCRA lays down the rules of the road for the credit bureaus, the companies that furnish information to credit bureaus, called furnishers, and companies that purchase consumer reports about you, called users. These agencies have not ever contacted me per the fair credit act statute .There was not ever a contract or signature provided to report these facts and or other which directly violated my personal professional and constitutional rights Furthermore The credit reporting agencies merged my report with a person that is a different gender and a different name which is identify theft Please delete all entries my credit reports Delete all entries without harassing letters and or correspondence soliciting and explanation from me and an attempt to validate what they have already You going to

Company response to consumer: Closed with explanation