When we applied for a home equity loan, our bank contacted XXXX XXXX XXXX to do a search. We were called by the bank and told that company said there are XXXX liens against us. I knew that was wrong so I called the courthouse and had copies of the judgements sent to me. It only took me one minute to see that the only thing that matched was my husband 's name. Birth date, address and SS # were all different. I called the XXXX XXXX XXXX company and asked if I could send them proof that these liens were not ours so they could correct their records. They told me no because I am not their client and that I would have to go to the bank and have them correct it. I asked how they could make XXXX such errors and a manager, XXXX XXXX, told me that all they do is match a name to a county. They do not check further unless their client ( in this case my bank or their underwriters ) requested it. So I went to the bank and the manager said they simply have us sign a form declaring that those liens are not ours. They do nothing to correct the error or remove those liens from our report. I asked her to help me find a way to correct this because we did not want our name connected to these offenses. She said she would pass our request on to the underwriters. The underwriters accepted the document we signed declaring the liens were not ours but were n't interested in clearing up the error. Why would any company be allowed to attached lien information based on name only? We live in a small town and there are XXXX or XXXX men that we know of with the same name as my husband, XXXX. I ca n't imagine how many there are in the whole county. The manager at XXXX suggested we were lucky there were only XXXX. That 's XXXX too many as far as I am concerned!! If I had not been such a good customer and well known in our bank, this information could easily have been used to deny us a loan. Someone should be responsible for correcting this but so far no one accepts or cares about it. 
