On XX/XX/XXXX we tried to refinance our house. First time through XXXX XXXX. 
It went well until they sent us a higher interest rate than we already had due to having a manufactured home. We decided to go to a specialized company locally XXXX. 
We completed application and then found out XXXX was reporting fraudulent late 's. This was not an issue as I had proof they were lying, the problem came about when we looked at the credit report and XXXX Flagged me on a XXXX alert, without using the proper protocol. They flagged me based on some of my name and not the entirety. Never looked further than name. If you are familiar with XXXX, they should also look at birth date, mine XX/XX/XXXX, the person they matched me with was born in XX/XX/XXXX. Adresses where I lived. Never been near XXXX, the worse is I have been through nothing but XXXX since, still needing to refinance because XXXX is XXXX, they will never change and have caused so many health issues including a XXXX. I decided to write to XXXX and send it certified, along with my XXXX XXXX certificate, Ca Drivers License, ss card. I waited until XX/XX/XXXX and decided to get XXXX XXXX involved. After almost 11 months I have been exonerated from their Sanctioned list. The credit company that took did the reports were # XXXX XXXX XXXX, after sending them all documents mentioned above they removed it from my report. copies included. The company I am having problems with is Credco Corelogic, I sent them a complete package, they sent me back 2 letters, both requesting I call them. I have talked to them 2 times with no avail. they have refused to remove this fraudulent data off my report. If XXXX has exonerated me and I have and sent them documents certified, according to the FCRA they must remove this from my report. I refuse to insert a letter in my credit report explaining that they did not follow proper protocol. XXXX and then need to remove the fraud off my report, without destroying my credit score just like XXXX XXXX did. I have even been back to the XXXX company made copies for them and they refuse to help us. We need this completed, I have now been waiting 14 months to get rid of XXXX, I need them gone before they cause me another XXXX. I and my wife are permanently XXXX. I filed XXXX reports against them and nothing was ever done about them. I also plan to file a FTC this evening. If I get no results I will go back to XXXX, the one that got the XXXX removed. There is also a fraud credit pull on Credco report from XXXX XXXX, they have submitted a letter of removal and they also refuse to remove that. I have submitted all documents with this letter. 
