First National Acceptance Co ,First Natl Bank Of America They obtained my husband's and my personal info, without knowing who we are. East Lansing Michigan

We bought a house from a person in our neighborhood. We paid him 100 grand and owed him 25 grand which we were paying in monthly installments, with zero intrest. This person turned around and sold the deed to the house, to this lender. We were unaware, till we received a packet with the lenders info.

In a letterhead from them, they asked that we both sign and return it, failing to do so will result in heavy penalty from the IRS. I called IRS, they told me that this was untrue. I called the lender up and they already knew who we were. I asked, "how do you know us,since we never met and never signed anything?" Customer service lady "Karon" (as she spelled it) said she had a file on us and that they had already ran credit histories on me and my husband to see if we met approval for the loan. I told her we never gave consent and we are not customers of thier institution.

I then asked how was it they obtained our info, without it being written on the deed and court records. She said, they had people who investigate others personal info in order to obtain it. She then said the transactiion started in thier branch in Austin TX.

I called there and spoke to a man. I told him I did not know who they were but they violated our rights, by obtaining our personal SS# and running history reports on us. He told me they had every right to do this, and they did not have to tell anyone anything. I told him we were concerned because there is alot of ID theft going on, he said that was what they were there for...to prevent it from happening. I told him how are you preventing it from happenning it to me, when you done violated my rights

Jhtr63
san antonio, Texas
U.S.A.