CoreLogic Inc

We are still in the process of researching this matter. We respectfully request a day extension in order to complete our research and provide a definitive response.thank you

In his complaint, *** *** states that *** provided *** Mortgage, LLC (“***”) with his credit report that
contained incorrect information
Please note that *** is a reseller of the credit information provided by the three national consumer reporting agencies (***, ***, *** ***, collectively, the "***")Each time we prepare a new credit report for our clients (who are mortgage lenders and other qualified end-users), we order the credit information from one or more of the three ***
Since the consumer's complaint centers around the handling and disclosure of sensitive, non-public personal information, we will send him a more thorough response, directly, that addresses his concerns.If you have any further questions, please contact our customer service department at ***

In his complaint, the consumer questions a CoreLogic Credco (hereinafter referred to as “Credco”) inquiry that is appearing on his credit
report
Please be advised that Credco is not a credit grantor. Rather, it is a reseller of the credit information provided by the three national consumer reporting agencies (Equifax, Experian, Trans Union, collectively, the "NCRAs"). Each time Credco prepares a new credit report for its clients, it orders such credit information from one or more of the three NCRAs. In order to obtain a credit report from Credco, our clients certify that they have a permissible purpose under the Fair Credit Reporting Act ("FCRA") to do so. Pursuant to section 607(e) of the FCRA, each time that Credco orders credit information from the NCRAs to prepare a report, Credco is required to provide to the NCRAs the identity of its clients requesting the report. Finally, pursuant to section 609(a)(3), Credco and the NCRAs are required to disclose to a consumer the identity of each person that procured a consumer report for a one year period (two years if the request was made for employment purposes)
Since the consumer's complaint pertains to the handling and disclosure of sensitive, non-public personal information, we will send him a more thorough response, directly, that addresses his concerns
If you have any further questions, please contact our customer service department at 1-800-637-

This email is in response to the correspondence we received from your office regarding the complaint filed by *** ***.
Please note that CoreLogic *** ("***") is a consumer reporting agency as defined in the Fair Credit Reporting Act ("FCRA"). *** maintains public
landlord/tenant and criminal court records, which it provides to its clients who are typically property management companies and landlords in the multi-family housing industry for the purposes of determining housing eligibility of an applicant
From the content of *** ***'s complaint, it appears as though her fiance and her sister desire to dispute certain items of information that are appearing in their respective *** consumer reportsHowever, *** *** does not provide any identifying information pertaining to her fiance and sister
Pursuant to section of the FCRA, if *** ***'s fiance and sister notify us directly that they want to dispute the accuracy or completeness of items of information contained in their respective *** consumer reports, *** will, free of charge, (a) reinvestigate the disputed items to determine whether such items are inaccurate, (b) record the current status of the disputed information or delete the information, as applicable from the files we maintain on *** ***'s fiance and sister, and (c) provide the respective results of our reinvestigations to *** ***'s fiance and sister
*** Consumer Disputes Department can be reached at *** *** *** *** *** ** ***, or by calling our toll free telephone number at ***

In his complaint, the consumer states that he did not receive a disclosure copy of his CoreLogic SafeRent consumer report. Please note that CoreLogic SafeRent ("SafeRent") is a consumer reporting agency as defined in the Fair Credit Reporting Act (“FCRA”). SafeRent
maintains public landlord/tenant and criminal court records which it provides to its clients who are property owners, property management companies, and landlords in the multi-family housing industry for the purposes of evaluating housing eligibility of an applicant. Records are returned based upon certain matching criteria; however, due to the nature of public records, the records returned may or may not pertain to the applicant. Moreover, as a consumer reporting agency, SafeRent does not make the decision to take adverse action and is unable to provide the specific reasons why adverse action was taken; the consumer would have to obtain such information from the property owner/landlord.
Our records indicate that on October 29, 2014, we mailed the consumer a copy of his SafeRent consumer report to the address provided by the consumer; on November 4th, we received a returned mail notice indicating "insufficient address--unable to forward." We have called the consumer and left him a voicemail message asking him to contact us to confirm his address. To date, he has not called us back
The consumer can call us at 1-888-333-and we will be happy to assist him with his request
Sincerely,
CoreLogic SafeRent

In his complaint, the consumer states that he did not authorize *** *** to access his credit report on July 15, 2014. The consume requests that the *** *** inquiry be removed from his credit
report
Please be advised that Credco is not a credit grantor. Rather, it is a reseller of the credit information provided by the three national consumer reporting agencies (Equifax, Experian, Trans Union, collectively, the "NCRAs"). Each time Credco prepares a new credit report for its clients, it orders such credit information from one or more of the three NCRAs. In order to obtain a credit report from Credco, our clients certify that they have a permissible purpose under the Fair Credit Reporting Act ("FCRA") to do so. Pursuant to section 607(e) of the FCRA, each time that Credco orders credit information from the NCRAs to prepare a report, Credco is required to provide to the NCRAs the identity of its clients requesting the report. Finally, pursuant to section 609(a)(3), Credco and the NCRAs are required to disclose to a consumer the identity of each person that procured a consumer report for a one year period (two years if the request was made for employment purposes)
Since the consumer's complaint pertains to the handling and disclosure of sensitive, non-public personal information, we will send him a more thorough response, directly, that addresses his concerns
If you have any further questions, please contact our customer service department at 1-800-637-

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and don't feel that their response addresses the issues in my previous letters/complaints Section of the Fair Credit Reporting Act addresses negative/adverse information, which is the section Safe Rent is referring to I'm specifically referring to the time limit for "inquiries" which I understand to be years Maybe I'm misunderstanding this, but their response doesn't seem to apply to the condition I am questioning Is there any way you can clarify this?Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  The supervisor who contacted me on 3 Nov was better able to explain the generic 'adverse factors' than the [redacted] reps I had previously contacted. Perhaps this indicates a lack of knowledge / experience with the first line of rep. Nonetheless I better understood the interconnects between [redacted] and the Credit agencies after the supervisor called me.
Regards,
[redacted]

In her complaint, [redacted] is questioning a CoreLogic Credco (“Credco”) inquiry that is
appearing on her credit report.
 
Please
note that Credco is not a credit grantor. 
Rather, it is a reseller of the credit information provided by the three
national consumer reporting agencies (Equifax, Experian, Trans Union,
collectively, the “NCRAs”).  Each time we
prepare a new credit report for our clients (who are typically automotive
dealerships, lenders and other qualified end-users), we order the credit
information from one or more of the three NCRAs.  In order to obtain a credit report from
Credco, our clients certify that they have a permissible purpose under the Fair
Credit Reporting Act (“FCRA”) to do so. 
Pursuant to section 607(e) of the FCRA, each time that Credco orders
credit information from the NCRAs to prepare a report, Credco is required to
provide to the NCRAs the identity of its client requesting the report.  The NCRAs maintain a history of inquiries
within their files.
 
Our
records indicate that on or around October 8, 2014, our client, [redacted],
Inc. (“[redacted]”), ordered [redacted]'s credit report through Credco, after ABM
Motors certified that it had a permissible purpose to do so. 
 
The
address and telephone number for [redacted] is as follows:
 
[redacted]
 
 
[redacted]
may wish to add a statement to her files maintained by the NCRAs disputing the
accuracy or completeness of such information, as the inquiry would be
reflected, and maintained in their files. 
She may contact the NCRAs directly at:
 
 
Experian                                            Equifax                                   Trans Union
P.O.
Box
2002                                    P.O. Box
740241                    
P.O. Box 2000
Allen,
TX
75013                
                Atlanta, GA
30374                 
Chester, PA 19022
Attn:
NCAC                       
               Attn:
Disputes                        
Attn: Disputes
1-888-397-3742          
                       1-800-685-1111              
       1-800-916-8800
www.experian.com                             www.equifax.com                  www.transunion.com             
 
If
you have any further questions, you may contact our customer service department
at [redacted]. 
 
Sincerely,
 
CoreLogic
Credco

Our response to the consumer is being mailed today.  We apologize for the delay.

August 10, 2017Revdex.com 4747 Viewridge Ave. #200 San Diego, CA 92123Re: Case # [redacted] – [redacted]In his re-complaint, Mr. [redacted] states he is not satisfied with the response CoreLogic Credco (“Credco”) provided on July 28, 2017 regarding his initial complaint. In Mr. [redacted]’s initial complaint, he indicates that there is an unauthorized hard inquiry appearing on his credit report, and he would like for the inquiry to be removed from his credit report. He indicates that the purchase date was June 29, 2017 and that the problem occurred on July 14, 2017. It is unclear if either of those dates correlated to the date of the alleged unauthorized inquiry. Our response to the Revdex.com explained that we were unable to locate an inquiry in our system under the name of [redacted]. We attempted to call Mr. [redacted] on July 24, 2017 and left a message for him requesting that he call us back so we could obtain more information to conduct additional research. On July 26, 2017, we followed up with Mr. [redacted] sending him an email and letter via postal mail requesting that he contact us. Mr. [redacted] did not respond to our requests.Please note that Credco is not a credit grantor. Rather, it is a reseller of the credit information provided by the three national consumer reporting agencies (Equifax, Experian, Trans Union, collectively, the “NCRAs”). Each time we prepare a new credit report for our clients (who are typically lenders and other qualified end-users), we order the credit information from one or more of the three NCRAs. In order to obtain a credit report from Credco, our clients certify that they have a permissible purpose under the Fair Credit Reporting Act (“FCRA”) to do so. Pursuant to section 607(e) of the FCRA, each time that Credco orders credit information from the NCRAs to prepare a report, Credco is required to provide to the NCRAs the identity of its client requesting the report.Upon receipt of this re-complaint indicating that Mr. [redacted] was not satisfied with our response, we attempted to search our systems for an inquiry using Mr. [redacted]’s last name and address in an effort to further assist him. We were able to locate an inquiry dated June 29, 2017 for “[redacted]” and matching Mr. [redacted]’s address provided in the Revdex.com complaint. As such, Credco will process a permissible purpose audit for the inquiry located in accordance withPage 1 of 2the requirements set forth in the Fair Credit Reporting Act, and provide the permissible purpose audit results directly to Mr. [redacted] upon completion.If Mr. [redacted] has any questions, he may contact our Consumer Services Department at 1-800- 637-2422.Sincerely,CoreLogic Credco

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  CoreCredit is the party that improperly pulled my credit and they are the only party that can remove it.Regards,
[redacted]

Case # [redacted] – [redacted]In his complaint, Mr. [redacted] states that there is an unauthorized inquiry dated December 9, 2016 appearing on his credit report. His desired settlement is to remove the inquiry from his credit reports. He also states that “to prevent more fraudulent activity id...

like to be called directly or emailed BEFORE processing any other attempts to finance with my information.”Please note that CoreLogic Credco (“Credco”) is not a creditor. Rather, it is a reseller of the credit information provided by the three national consumer reporting agencies (Equifax, Experian, TransUnion, collectively, the “NCRAs”). Each time we prepare a new credit report for our clients (who are typically lenders, automotive dealerships, or other qualified end-users), we order the credit information from one or more of the three NCRAs. In order to obtain a credit report from Credco, our clients certify that they have a permissible purpose under the Fair Credit Reporting Act to do so. Pursuant to section 607(e) of the FCRA, each time that Credco orders credit information from the NCRAs to prepare a report, Credco is required to provide to the NCRAs the identity of its clients requesting the report. The NCRAs maintain a history of inquiries within their files.Our records indicate that on May 11, 2017, Mr. [redacted] called us regarding this inquiry dated December 9, 2016. We subsequently filed a permissible purpose audit in accordance with the Fair Credit Reporting Act on behalf of Mr. [redacted]. The results of the permissible purpose audit were sent to Mr. [redacted] on June 13, 2017. A summary of the results are as follows:On or around December 9, 2016, our client, GENESSEE MANAGEMENT CO LLC/GENESSEE FIN, ordered Mr. [redacted]’s credit report through Credco that contained credit information obtained from TRANSUNION. We contacted GENESSEE MANAGEMENT CO LLC/GENESSEE FIN to confirm that it had a permissible purpose to access Mr. [redacted]’s credit report. GENESSEE MANAGEMENT CO LLC/GENESSEE FIN informed usPage 1 of 2that it accessed Mr. [redacted]’s credit report pursuant to his credit application in connection with an automotive transaction.Upon receipt of this Revdex.com complaint, we are unable to discern whether Mr. [redacted] is now saying that this inquiry is the result of identity theft and is therefore making an identity theft blocking request, and/or if Mr. [redacted] is requesting a fraud alert. Therefore, in an effort to better assist him and resolve his complaint, on July 10, 2017 we attempted two calls to Mr. [redacted] on the phone number he provided in his complaint. The first call was answered, but the recipient of the call immediately hung up. The second call sent our Consumer Services Representative to voicemail. Our Consumer Services Representative left a message for Mr. [redacted] requesting that he call us back to provide more information. We also followed up with Mr. [redacted] via email and postal mail requesting that he contact us.If Mr. [redacted] would like for us to continue our research into this matter, he may call our Consumer Services Department at 1-800-637-2422. He can also write to us at: CoreLogic Credco, Attn: Consumer Services Department, P.O. Box 509124, San Diego, CA 92150.Sincerely,CoreLogic CredcoPage 2 of 2

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I am a 100% disabled Veteran and it is often hard to comply with short response time requirements because of my disabilities.  This has NOT been resolved. The credit agency was acting on behalf of
Regards,
[redacted]

In her complaint, Ms. [redacted] states that she has been a victim of identity theft and would like the unauthorized C[redacted] inquiry dated October 21, 2016 to be removed from her credit report.Please note that [redacted] (“[redacted]”) is not a creditor. Rather, it is a reseller of the credit...

information provided by the three national consumer reporting agencies ([redacted], collectively, the “NCRAs”). Each time we prepare a new credit report for our clients (who are typically lenders, automotive dealerships, or other qualified end-users), we order the credit information from one or more of the three NCRAs. In order to obtain a credit report from [redacted], our clients certify that they have a permissible purpose under the Fair Credit Reporting Act to do so. Pursuant to section 607(e) of the FCRA, each time that [redacted] orders credit information from the NCRAs to prepare a report, [redacted] is required to provide to the NCRAs the identity of its clients requesting the report. The NCRAs maintain a history of inquiries within their files.Our records indicate that on April 18, 2017, Ms. [redacted] contacted us to indicating that she did not authorize the inquiry in question in this Revdex.com complaint. We processed the request as a permissible purpose audit, and sent Ms. [redacted] the results of the permissible purpose audit on April 19. 2017. To recap, the results of the permissible purpose audit showed that on or around October 21, 2016, our client, [redacted] Loans Inc., ordered Ms. [redacted]’s credit report through [redacted] that contained credit information obtained from each of the NCRAs. We contacted [redacted] Loans Inc. to confirm that it had a permissible purpose to access Ms. [redacted]’s credit report. [redacted] Loans Inc. informed us that it accessed Ms. [redacted]’s credit report pursuant to her online authorization in connection with a mortgage transaction.Upon receipt of this Revdex.com complaint, the complaint indicated that Ms. [redacted] had been a victim of identity theft. Therefore, in an effort to better assist her and resolve her complaint, on April20, 2017 and April 21, 2017, we attempted to call Ms. [redacted] to inform her of the information we would need to process an identity theft blocking request. We left messages for her requesting that she call us back. On April 21, 2017, we also sent an email to Ms. [redacted] requesting that she contact us so that we can further assist with her matter.On April 22, 2017, Ms. [redacted] responded to our request via email, providing her identity theft affidavit as an email attachment. However, in order to process an identity theft blocking request under the Fair Credit Reporting Act (FCRA) Section 605B(a), we still need appropriate proof of Ms. [redacted]’s identity. As such, on April 25, 2017 we sent Ms. [redacted] a letter requesting that she contact us as we need more information to process her request. We also attempted to contact her via phone and email on April 28, 2017 requesting that she contact us.We request that Ms. [redacted] call our Consumer Services department at 1-800-637-2422 so that we can explain the information that we need to fulfill her request. She can also write to us at: [redacted], Attn: Consumer Services Department, P.O. Box 509124, San Diego, CA 92150.Sincerely,[redacted]

Re: Case # [redacted] – J[redacted]In her re-complaint, Ms[redacted] states she is not satisfied with the response CoreLogic Credco (“Credco”) provided on July 21, 2017 regarding her initial complaint. In Ms. [redacted]’ initial complaint, she indicates that there are several unauthorized hard inquiries appearing on her credit report, and she would like for the inquiries to be removed from her credit report. Our response to the Revdex.com explaind that we were able to locate four reporting inquiries in our system dated August 23, 2016, September 19, 2016 and September 24, 2016. We explained that we would process the complaint as a permissible purpose audit and provide the results to Ms[redacted] directly upon completion.Please note that Credco is not a credit grantor. Rather, it is a reseller of the credit information provided by the three national consumer reporting agencies (Equifax, Experian, Trans Union, collectively, the “NCRAs”). Each time we prepare a new credit report for our clients (who are typically lenders and other qualified end-users), we order the credit information from one or more of the three NCRAs. In order to obtain a credit report from Credco, our clients certify that they have a permissible purpose under the Fair Credit Reporting Act (“FCRA”) to do so. Pursuant to section 607(e) of the FCRA, each time that Credco orders credit information from the NCRAs to prepare a report, Credco is required to provide to the NCRAs the identity of its client requesting the report. This is also known as the inquiry shown on the credit report.When we receive notifications from consumers that they are unfamiliar with a particular inquiry from an end-user that was ordered through Credco, or believes that an inquiry is unauthorized, we conduct a permissible purpose audit. As part of the audit, we contact the end-user to confirm whether they had permissible purpose to order a consumer’s credit report. If the end-user is unable to confirm their permissible purpose, then we will submit a request to the applicable NCRAs to update the files they maintain on the consumer accordingly with respect to the inquiry.Page 1 of 2Because Ms[redacted] informed us that she believes the inquiry in question is unauthorized, we initiated a permissible purpose audit on her behalf. This audit is still in progress. Upon completion of the audit, we will provide Ms[redacted] with the permissible purpose audit results directly.If Ms[redacted] has any questions, she may contact our Consumer Services Department at 1-800- 637-2422.Sincerely,CoreLogic Credco

We are unaware of any provision within the Fair Credit Reporting Act that sets forth time limits on the reporting of inquiries.  If Ms. [redacted] is aware of any such provision, please let us know.

In her re-complaint, Ms. [redacted] states that the response from CoreLogic SafeRent, LLC (“SafeRent”) dated October 6, 2016 was unsatisfactory because she was rejected when applying for an apartment because of the information contained in her SafeRent report.Please note that SafeRent is a tenant screening company that maintains public landlord/tenant and criminal court records. SafeRent is also a reseller of the credit information provided by the three national consumer reporting agencies (Equifax, Experian, and Trans Union, collectively, the "NCRAs"). Each time SafeRent prepares a new consumer report for its clients (who are typically landlords or property management companies) that contain NCRA credit information, it orders such credit information from one or more of the three NCRAs.To recap:? Our records indicate that on our around October 4, 2016, Ms. [redacted] submitted a dispute request with SafeRent for an account from [redacted] apartments. However, there is no record of this account in Ms. [redacted]’ consumer file. Therefore, in an effort to better assist her and resolve her complaint, we reached out to her via regular mail on October 5, 2015 requesting that she contact us.? On October 6, 2016, SafeRent responded to Ms. [redacted]’ Revdex.com (“Revdex.com”) complaint explaining that we had requested Ms. [redacted] to contact us so that we can obtain the information needed to conduct the research into her complaint. As of that date, Ms. [redacted] had not responded back to our request.? On October 7, 2017, Ms. [redacted] filed a re-complaint in her response to our October 6, 2016 response letter. She states that our response letter was unsatisfactory because she was rejected when applying for an apartment because of the information contained in her SafeRent report.? In an effort to better assist her and resolve her complaint, we attempted to reach out to Ms. [redacted] via phone on October 12, 2016 and October 13, 2016. All attempts were unsuccessful, and we left voice messages requesting that Ms. [redacted] call us back.Page 1 of 2To reiterate, we are unable to conduct our investigation into Ms. [redacted]’ complaint without more information from her. We have sent Ms. [redacted] a letter requesting her to contact us as well as attempted two phone calls leaving messages requesting her to call us back. To date, Ms. [redacted] has not responded back to our requests. If Ms. [redacted] would like for us to continue our research into this matter, she may contact us at the following address and telephone number:CoreLogic SafeRent, LLC P.O. Box 509124 San Diego, CA 92150 Telephone: 1-888-333-2413

Our initial position has not changed.  We have mailed a more detailed response directly to the consumer that we believe will address his concerns.  If, after he has received our response, he has additional questions, he can contact our consumer services department at 1-800-637-2422.

I have review the response from Credco and have determined that they will never accept responsibility for their incorrect bill and unjust account suspension.    We will continue to work with Credco on a temporary basis until we have established an relationship with a replacement provider.