ID THEFT/OCWEN/TRANSUNION/EXPERIAN-CONSPIRACY to deceive/Fraud/Abuse Powers to Consumers/Public???
OCWEN FEDERAL BANK QC-Approved Mortgage Loan to Someone using my SS/DOB and Personal Information-ID THEFT.
EXPERIAN, and TRANSUNION must have known these IllEGAL ACTIVITIES. Both of these Credit Reporting Agency showed Negative Activities on my Credit Report or Are they just plain NEGLIGENT in Inputing Credit Information?
On NOVEMBER I tried to obtain a Refinancing Loan and my Credit Report showed Foreclosure, Repossessed, and Past due 180days.
There were 3 Mortgage worth at least $330,000.00 obtained and was approved by OCWEN, CITIFINANCIAL, and 1ST NATIONAL ACCEPTANCE CO.
I got so Scared/disheartened since I was afraid that my 2homes are being or already Repossessed/Foreclosed by these 3 Mortgage Lenders. These had created Tremendous Stress, including weakening my whole being.
After thinking WHAT IS HAPPENING, It is Odd that I Never received any Notice of Foreclosure/Repossessed or Late Payment Notice.
I called all the 3 CRA and filed a Request for Investigations/Disputes.
I received DUPLICATIONS/TRIPLICATIONS of Report File numbers. I responded to them indicating why I was given so many different file numbers?
I called TRANSUNION since my Certified/Return Receipt of more than a 34 days has not been acknowledged. A Man with an Accent suggest I resubmit my documents again. I asked for the Supervisor and He as well have an Accent. So, I asked who has then have accessed to my Documents? Then,
I was transferred finally to USA? And an American Accent answered and refused to send me a copy of my Disputed complain. He responded that it was sent to my old address. So I told him, NOW IT EXPLAIN why there is another possible ID THEFT. If they had read my request, then they should have mailed it to my correct-current address.
Then I received TRANSUNION correspondence but have NOT REMOVE FIRST NATIONAL ACCEPTANCE-Mortgage on my record, although I HAD ASKED THEM TO REMOVE IT on my File and EXPLAINING 2nd Time around that this Loan Mortgage is NOT MINE.
Why the Mortgage Lender is being FAVORED, and WHy I have to Write them myself DOES NOT MAKE SENSE to me. So it is just WASTE OF TIME having CREDIT REPORTING AGENCIES be involved on my Personal Finances.
Why does the government give them so much powers to be the middleman to resolve our disputes?
They are either Not Reading, Correcting Disputes, OR Not doublechecking ALL THE FACTS. I had wasted a lot of my time/energy, and money (certified mail), For just trying to have My Credit Restored.
I think the GOVERNMENT should NOT Allow our Personal Information be sent to Overseas. I now see why these ID THEFT is SPREADING like a CANCER to Americans.
Due to this ID THEFT with 3 MORTGAGES against my GOOD NAME, I was UNABLE TO FIND EMPLOYMENT since 1998. Yet the Overseas People have jobs.
It is IRONIC, that I have to prove WHO I AM, but the LENDER/nor the THIEF that Stole my IDENTITY did not have to prove WHO THEY ARE and is FREE SOMEWHERE and perhaps trying to GET ANOTHER MORTGAGEs using my SS#, since THERE IS NO CONGRESSIONAL LAW to Prosecute them.??
I can see now WHY so many Crooks are able to RIP OFF the Government and the Lending Institution.
The Lending Institution approving the Loans and those 2 Credit Reporting Agency should be held LIABLE for NOT CHECKING THE REAL IDENTITY of whoever is obtaining loan.
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