Allegations of forged signatures on a loan modification agreement and subsequent damage to a business owner's credit profile have led to a federal lawsuit involving multiple defendants, including a mortgage company and two major credit reporting agencies. The complaint was filed by Patrick A. English in the United States District Court for the Eastern District of New York on April 30, 2026, naming TransUnion LLC, Experian PLC, Colleen Jackson, and Omity Mortgage Corporation as defendants.
According to the verified complaint submitted by attorney Donna Este-Green on behalf of Mr. English, the dispute centers around real property located at 232 Erie Rd., West Hempstead, New York. The filing states that in 2001, Mr. English assisted Colleen Jackson in obtaining a mortgage for this property due to her poor credit rating by securing the mortgage in his own name while Jackson remained the record owner. It was agreed that after one year Jackson would refinance the mortgage in her own name to relieve Mr. English of any obligation; however, she allegedly failed to do so and stopped making payments in 2008.
The complaint details that after attempts to sell the property were unsuccessful due to Jackson's refusal to execute a contract of sale or communicate with Mr. English regarding the defaulted mortgage, negative activity appeared on his credit report but eventually aged off. In September 2025, Mr. English reports receiving collection calls from PHH Mortgage Services (now Omity Mortgage Corporation), which referenced a loan modification agreement he claims he never authorized or signed.
Upon reviewing documents provided by Omity Mortgage Corporation regarding this loan modification—allegedly carrying a balloon payment exceeding $532,000—Mr. English asserts that his signature was forged on all relevant paperwork. He points out discrepancies such as missing punctuation he habitually uses in his signature and notes that notary documentation only acknowledged Colleen Jackson’s presence rather than his own.
The complaint further alleges that despite informing both Omity Mortgage Corporation and customer service representatives about the forgery—and notifying TransUnion and Experian about fraudulent entries on his credit profile—no meaningful investigation or corrective action has occurred. As a result of these events and continued collection activities related to the disputed loan modification agreement, Mr. English claims significant harm: "Because of individual defendant’s conduct, Mr. English's credit has suffered due to his name appearing on the loan application... other credit accounts were closed." He adds that these issues have impacted his ability to operate Final Cleaning Sewer, his business located at 744B Elmont Rd., Elmont, NY.
The legal filing brings three primary causes of action: fraud against Colleen Jackson for allegedly forging signatures without consent; violation of debtor-creditor law against TransUnion LLC and Experian PLC for failing "to conduct reasonable investigations" into fraud disputes as required under federal law; and negligence against Omity Mortgage Corporation for not exercising proper care when processing loan modifications—specifically failing to detect irregularities in notarization and applicant verification procedures.
For relief, Mr. English requests declaratory judgment requiring all defendants "cease and desist all collection and adverse litigation activity during the pendency of this matter," removal of negative impacts from his credit report, statutory damages totaling at least $20,000 per cause where specified, actual damages recovery under applicable statutes due to documented financial harm—including reduced access to business capital—and any other relief deemed just by the court.
The case is identified as Case No. 9:26-cv-02731 in the United States District Court for the Eastern District of New York. The plaintiff is represented by Donna Este-Green, Esq., whose office is located at 25 Fairway Dr., Hempstead, NY.
Source: 926cv02731_English_v_Transunion_LLC_Complaint_Eastern_District_New_York.pdf