Experian - Incorrect information on credit report - says home is foreclosure and it's not - trying to get it changed through Experian

Posted on Saturday, October 12th, 2002 at 12:00am CDT by f835301c

Company: Experian - Incorrect information on credit report - says home is foreclosure and it's not - trying to get it changed through Experian

Category: Other

Complaints.com received the following consumer message on October 10, 2002:

From:

RE: Experian - Incorrect information on credit report - says home is foreclosure and it's not - trying to get it changed through Experian

Last spring we decided to finish our remodeling and sell our house to purchase a home in the country. We began looking at houses and started mortgage pre-qualifying paperwork. We knew our credit wasn't perfect but we thought it to be pretty good. The first item to come up on our report was a Bank of America (our present mortgage company) statement that we were in foreclosure. We have never been late on our mortgage payment.

Our real estate lady knew who to call at Bank of America and she managed to get a letter from Bank of America stating that we were never in foreclosure and that they would be reporting this error to all the major credit reporting agencies and to please allow 30-60 days for the changes. That was 5 months ago. I decided to contact Experian myself, send them a copy of the "official" letter from Bank of America and all would be straitened out, right?

That was in July. We have received 2 dates from them that the investigation would be finished. The first date was Sept 19 and the second was Oct 5. I also signed up for their on-line service to view my credit report. Oops! time has run out. Can't view it. I have yet to hear anymore from them or get this false statement removed from my credit report.

Needless to say, this is the worst thing anyone could put on your report because one look at that and you can't get any credit anywhere. Is there any help out there? It doesn't appear that there is. The only thing we can do as consumers is expose companies who rip us off - right here.

Delray Gjestvang


1 Comment

528bb822, 2010-09-14, 07:28PM CDT

Bank of America has an illegal foreclosure notice on my home!!!!!

FIRST AMENDMENT RIGHT TO ANONYMOUS FREE SPEECH The U.S. Supreme Court has ruled repeatedly that the right to anonymous free speech is protected by the First Amendment.

Todays corporate executives lack of ethics make John D. Rockefeller look like an amateur. I'm glad that complaints. com is providing this service. Exposes happen for a reason. Reasons like bad customer service or injustice. As the realization sinks in that in internet is a real time conduit of ones reputations, customer service will only be forced to get better.

The public not only has the right to know what sort of person they are; it is the duty of the public to know. Just tell it to The Man like it is. My hats off to you watchdog's who dare speak the truth and spit in the eye of those who think they are in charge. It's the people who are in charge. Here is effective and thoughtful work examining this most critical issue.

(Watchdog: Gadfly: a person who arouses lazy citizens from apathy and ignorance with never-ending and ubiquitous watchdogging. Watchdog: a successful gadfly.)

Indirectly, this circumventuous flapdoodle is right on the mark, as in-the-know citizens well understand.

The issue is that house prices have dropped. Why? Because of the mortgage fraud that manipulated them up in the mortgage fraud run-up of late 2003, all of 2004 going into spring of 2005. The mortgage fraud is a significant number of all the home loans. The problem is not just the sub-prime home loans. The problem is that people owe more than the home is worth. The symptoms of the drop in housing prices is foreclosures. The result is a fundamental problem to not only the occupants of a home but also the American economy and global economy as well. There is just way too much housing inventory out there for home prices to have hit bottom. Home prices will go down further as foreclosures continue to further flood the market. Borrowers that owe more than the value of their homes just walk away.

At one time good American townspeople correctly and effectively tarred, feathered and ran out of town on a rail these scoundrels. Be American, dont get mad, expose these shysters, blog them, then tar, feather and run them out of town on a rail. Starting with Bank of Americas Brian Moyihan, James Emerick, Loraine Raymer, Sonja Wright, Linda Jordan, Thomas Ryan, Charles Holliday, Jr, Walter Massey, Temena McGee, Michelle Langley, Ashley Stix, and Brandon Coltin.

Asking if your lender a patriot or a terrorist is a valid question. Now a patriot is one who loves, supports, and defends one's country. A patriot loves his or her country and supports their country's authority and interests. A terrorist on the other hand, is one that engages in acts or an act of terrorism. Terrorism is the unlawful use or threatened use of force or violence by a person or an organized group against people or property with the intention of intimidating or coercing societies or governments, often for ideological or political reasons. Terrorism is the systematic use of terror especially as a means of coercion. Terror is a state of intense fear, one or something that inspires fear, a frightening aspect terrors of invasion, a cause of anxiety, worry, an appalling person or thing. That's all very clear and straight forward to me. That's all exactly how my family and feel from these home lenders.

OPINION:

Q: What kind of person steals soap?

A: A dirty crook

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