Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6198877
Complaint Overview
Complaint ID: 6198877
Company: Guild Holdings Company
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Arizona
ZIP Code: 851XX
Date Received: 2022-11-13T12:00:00-05:00
Date Sent to Company: 2022-11-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am the consumer. I am the natural person who is protected by the US Constitution and State Constitutions. I am not an entity the State created, I AM THE BENEFICIARY to such trust. I am not a resident of the State. I am not a US citizen. I am a citizen of the kingdom of Heaven. For He is my Creator. Isaiah 54:17 NKJV No weapon formed against you shall prosper, and every tongue which rises against you in judgment, You shall condemn. This is the heritage of the servants of the Lord, and their righteousness is from me says the Lord. This complaint is against XXXX XXXX by me, XXXX XXXX XXXX. Date of LIVE Birth is XX/XX/XXXX. XXXX XXXX has flagged a closed account in our name. We sold our house in XX/XX/XXXX. XXXX XXXX is alleging we voluntarily foreclosed on our home. They are making adjustments to unlawfully created accounts in our name. They have recently made reports to consumer reporting agencies without our consent to do so, which caused adverse actions to both me and my wife. XXXX XXXX did not disclose this to us nor did they have our consent to report to any consumer reporting agency or make adjustments to any accounts in our name. They have unlawfully used our identification information to commit fraud violating 18 USC 1028 and 18 USC 1028A and15 USC 1681b ( 2 ) 15 USC 1365. 15 USC 1693l. 18 USC 1341, 1342,1343, 1345,1346, 1348, 1349, 1350, 1351. 26 USC 1031, 15 USC 1693h, 15 USC 6821, 18 USC 2332b. They made reports on XX/XX/XXXX for the same reasons as this which caused the same adverse actions then too. This material misrepresentation is in an attempt to defraud the United States and Internal Revenue Service as well as myself and my husband XXXX XXXX. In my most recent update from XXXX, my notifications showed XXXX XXXX flagged my account as bank adjustment/deed in lieu/Bank Liquidation. The Deed was sold to XXXX XXXX to avoid the continuous threats, abuse, and harassment from XXXX XXXX and Guild Mortgage. The threats, harassment and abuse caused us personal injury not only to ourselves but also to our family and private personal property. XXXX XXXX and Guild Mortgage listed us as tenants in their unlawful, illegal contracts. We were not tenants nor did they have any lawful or legal right to possession of our private property. We owned our home. We extended credit to both Guild Mortgage and XXXX XXXX. They deceived us but the proof is in the sale. The documents we retained from the sale of our home required signatures of the OWNERS of the home, which were myself and my wife XXXX. The consumer reporting agencies failed to verify information before lowering my XXXX XXXX XXXX points both times. XXXX and again in XX/XX/XXXX. XXXX XXXX Guild Mortgage, XXXX, XXXX, XXXX are guilty of frauds and swindles, Identity theft, Aggravated Identity theft, Failure to protect customer information of financial institutions and so much more.
Frequently Asked Questions
What is Complaint #6198877 about?
Complaint #6198877 was filed against Guild Holdings Company regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-11-13T12:00:00-05:00.
How did Guild Holdings Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Guild Holdings Company?
Yes, visit the Guild Holdings Company company profile at readthecomplaint.com/company/guild-holdings-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.