DOJ Criminal Referral

I am submitting this formal criminal referral to request that the Department of Justice open a criminal investigation and initiate prosecution against the subjects named herein for violations of the Racketeer Influenced and Corrupt Organizations Act (RICO), bank fraud, wire fraud, mail fraud, and related federal offenses.

The criminal enterprise described herein has victimized me and, upon information and belief, thousands of other American homeowners through a systematic scheme of document fabrication, fraud upon the courts, and unlawful debt collection.

The RICO Enterprise consists of:

1. Mortgage Servicer:
   Name: [SERVICER NAME]
   Address: [ADDRESS]
   Role: Claims right to service alleged debt without proof of authority; directs and orchestrates fraudulent collection activity
2. Foreclosure Trustee:
   Name: [TRUSTEE NAME]
   Address: [ADDRESS]
   Role: Executes foreclosure proceedings based on fraudulent documents
3. Foreclosure Law Firm:
   Name: [LAW FIRM NAME]
   Address: [ADDRESS]
   Role: Files court documents containing known false statements; perpetuates fraud upon the courts
4. Document Preparation Company:
   Name: [DOCUMENT PREP COMPANY, if known]
   Role: Fabricates, robo-signs, and backdates mortgage documents
5. Claimed Trust/REMIC:
   Name: [TRUST NAME]
   Role: Named as purported owner despite irregular or non-existent transfers

The enterprise has engaged in at least the following predicate acts constituting a pattern of racketeering activity:

1. Mail Fraud (18 U.S.C. § 1341) - Multiple Instances:
   • [DATE]: Mailed fraudulent notice of default claiming authority to collect
   • [DATE]: Mailed collection letters with false creditor representations
   • [DATE]: Mailed notice of trustee sale based on fabricated documents
   • [ADDITIONAL INSTANCES]
2. Wire Fraud (18 U.S.C. § 1343) - Multiple Instances:
   • Electronic transfer of fabricated mortgage documents
   • Electronic filing of false court documents
   • Wire transfers extracting payments under false pretenses
   • [ADDITIONAL INSTANCES]
3. Bank Fraud (18 U.S.C. § 1344):
   • Scheme to obtain money through false representations to courts and homeowners
   • False claims of ownership/authority to extract payments

A. Document Fabrication and Forgery

The enterprise has manufactured mortgage documents including:

• Backdated assignments of mortgage executed after trust closing dates
• Robo-signed documents bearing signatures of known "robo-signers"
• Fabricated endorsements on promissory notes
• False notarizations of documents never properly executed

Evidence: [DESCRIBE SPECIFIC DOCUMENTS - dates, signers, irregularities]

B. Fraud Upon the Courts

The enterprise has filed documents in court containing false statements:

• False affidavits claiming personal knowledge of loan history
• Fabricated business records presented as authentic
• Misrepresentations of chain of title and ownership

Case: [CASE NUMBER AND COURT]

C. Unlawful Debt Collection

The enterprise has attempted to collect amounts not legally owed:

• Collection without proof of authority or ownership
• False representations of creditor status
• Failure to validate debt upon proper demand

The following evidence supports this referral:

1. Qualified Written Requests: Sent [DATE], no adequate response received
2. Debt Validation Demands: No validation provided within statutory period
3. Chain of Title Analysis: Shows gaps, backdating, and irregular transfers
4. Document Analysis: Robo-signed documents, forged signatures identified
5. Court Records: False statements in pleadings and affidavits
6. Affidavit of Truth: Sent [DATE], unrebutted by subjects
7. FBI Complaint: Filed [DATE], Reference No. [NUMBER if available]

I respectfully request that the Department of Justice:

1. Convene a Grand Jury to investigate the criminal enterprise and return indictments
2. Bring Criminal Charges including:
   • RICO (18 U.S.C. § 1962) against all enterprise participants
   • Bank Fraud (18 U.S.C. § 1344)
   • Mail Fraud (18 U.S.C. § 1341) - multiple counts
   • Wire Fraud (18 U.S.C. § 1343) - multiple counts
   • Conspiracy (18 U.S.C. § 371)
3. Initiate Asset Forfeiture proceedings under 18 U.S.C. § 1963
4. Seek Restitution for victims of the criminal enterprise
5. Coordinate Investigation with FBI, SEC, CFPB, and state authorities

This enterprise has affected not only myself but potentially thousands of homeowners nationwide. Evidence of the widespread nature of these practices includes:

• National Mortgage Settlement (2012) - $25 billion for similar practices
• CFPB enforcement actions against major servicers
• State attorneys general actions in multiple states
• Prior criminal referrals and prosecutions for robo-signing

Federal prosecution would protect the public, deter future criminal conduct, and serve the interests of justice.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to the best of my knowledge, information, and belief. I am prepared to cooperate fully with any investigation or prosecution.

Respectfully submitted,

[YOUR SIGNATURE]

_________________________________
[YOUR PRINTED NAME]
Date: [DATE]

Exhibit A: FBI Complaint and Confirmation
Exhibit B: Qualified Written Requests and Responses
Exhibit C: Chain of Title Analysis
Exhibit D: Document Fabrication Evidence
Exhibit E: Court Filings with False Statements
Exhibit F: Affidavit of Truth (Unrebutted)
Exhibit G: [ADDITIONAL EXHIBITS]