CoreLogic Inc

In his complaint, Mr. [redacted] states that he had requested a Rapid Recheck through CoreLogic Credco (“Credco”) on July 11, 2016, but it was never completed. He would like the $150 charge credited back to his account.Our records indicate the following:• Mr. [redacted] ordered a No Doc Rapid Recheck,...

which is where there is no supporting documentation and the credit bureaus are instructed to call the creditor(s) directly for the update. As such, Credco is unable to guarantee that a request will be successful through No Doc Rapid Rechecks.• In this case, the creditor, who was Capital One, declined to verify any information to the credit bureaus over the telephone.• The credit bureaus sent Capital One an electronic request called an E-Oscar, and placed the account under an investigation until the update was resolved. When this happens, credit bureaus do not keep Credco updated on the status. Once the issue is resolved, the bureaus send the consumer a copy of the results.• On or around September 8, 2016, Credco submitted a request to credit Mr. [redacted]’s account in the amount of $100 and emailed Mr. [redacted] to notify him of same. As TransUnion had completed the initial update, the $50 charge for TransUnion remained. Because Equifax and Experian could not complete the update, a credit request was submitted for $100 ($50 for Equifax and $50 for Experian).• On or around September 13, 2016, Credco placed a courtesy call to the credit bureaus and confirmed that the update is now complete.• On or around September 21, 2016, the credit request was completed and $100 was credited to Mr. [redacted]’s account. Credco also called Mr. [redacted] and left him a message advising him of same. Please note again that Credco is unable to guarantee No Doc Rapid Recheck requests are successful because there is no supporting documentation and the credit bureaus are instructed to call the creditor(s) directly for the update. In this case, because Capital One declined to verify any information over the telephone, the Rapid Recheck was unsuccessful. As a courtesy, Credco credited $100 back to Mr. [redacted]’s account. Mr. [redacted] has not responded to our email or phone call notifying him of the credit.If Mr. [redacted] has any further questions, he may contact our Consumer Services department at 1-800-637-2422.Sincerely,CoreLogic Credco

As we stated in our previous response, we will be happy to assist the consumer with his request if he calls us back to confirm his address.  He can reach us at 1-888-333-2413 and  ask to speak with Mr. [redacted], Supervisor of Consumer Services.

In her complaint, the consumer questions a Loan Depot inquiry that is appearing on her credit report.Please be advised that CoreLogic Credco (“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 (who are typically lenders or other qualified end users), 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.
Since the consumer's complaint centers around the handling and disclosure of sensitive, non-public personal information, we will send her a more thorough response, directly, that addresses her concerns.If you have any further questions, please contact our customer service department at 1-800-637-2422.

As we set forth in our letter to the Revdex.com, we sent the consumer a separate letter that details the action we have taken regarding the inquiry.  He should be receiving the letter in the next few days.  Once he receives that letter, if he has any questions, he can contact us at 1-800-637-2422.

June 26, 2017Revdex.com 4747 Viewridge Ave. #200 San Diego, CA 92123Re: Case # [redacted] – [redacted]In her complaint, Ms. [redacted] states there are seven unauthorized hard inquiries appearing on her credit report, and she would like for the inquiries to be removed from her credit...

report.Please note that CoreLogic Credco (“Credco”) is not a credit grantor. 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 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.Our records indicate that prior our receipt of this Revdex.com complaint, we received a CFPB complaint on June 13, 2017 filed by Ms. [redacted] regarding the same matter. Upon receipt of the CFPB complaint, we searched our systems for the inquiries in question. Based on the information provided in the complaint, we were only able to locate five inquiries in our system dated May 13, 2017, May 23, 2017, June 10, 2017 and June 13, 2017. Credco initiated permissible purpose audits on Ms. [redacted]’s behalf in accordance with the requirements set forth in the Fair Credit Reporting Act. As part of the permissible purpose 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(ies). As the permissible purpose audits are still in progress, we will provide the results to Ms. [redacted] directly upon completion.With respect to the two inquiries that we were unable to locate in our systems, in an effort to assist Ms. [redacted] and resolve her matter, on June 15, 2017 we reached out to her via email and postal mail requesting that she call us for more information. To date, Ms. [redacted] has not responded to our requests.If Ms. [redacted] has any questions, she may contact our Consumer Services Department at 1-800- 637-2422.Sincerely,CoreLogic Credco

In his complaint, Mr. [redacted] is questioning a CoreLogic
Credco (“Credco”) inquiry that is appearing on his credit report and he desires
to have the inquiry removed from his credit profile.
Please note that Credco is not a credit grantor.  Rather, it is a [redacted] 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.   
Since Mr. [redacted]’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 1-800-[redacted].

In his complaint, Mr. [redacted] is questioning two CoreLogic Credco (“Credco”) inquiries that are appearing on his credit report and he desires to have the inquiries removed from his 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.    Since Mr. [redacted]’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 [redacted].

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.
[Corelogic is paid for their data and provided the data provided was very stale and adversely affected my ability to obtain a mortgage. Please see attached items that were deleted from my credit report over 6 months ago, but remain in the reports provided by Corelogic/Credco. This third party is acting as a fourth credit reporting agency, and consumers are not giving advance notice. If I had known, I would have confirmed the Corelogic/Credco data was accurate before applying for credit. Now I will need to reapply for credit and gain additional inquiries after Credco updates my file. If Credco is charging for this data it should be current. ]
Regards,
[redacted]

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 not satisfied that this company is requesting additional time to resolve this issue.  When the dispute was filed I was told that it takes 30 days and the dispute will be completed on June 29th.  Requesting additional time to resolve this is unacceptable.  Moving from one state to another is not easy and takes a great deal of coordination.  If a company such as CoreLogic can not perform a back ground check they should not be in that business.Providing false information on an individual can cause a great deal of harm to that individual personally and financially.  As, motioned in my previous complaint,  I was told by the CoreLogic representative that CoreLogic does not use social security number to conduct a background check.  This is unheard of and has cause me personally a great deal of embarrassment and have place me in a difficult situation to wait until CoreLogic has completed  its dispute process.  I contacted the agency the requested the background check and was told that they requested a credit check and a background check.  To conduct a credit check a social security number is needed.  After conducting the back ground check and realized that there were more than one of the same name CoreLogic should have resorted to using the social security number. CoreLogic knowingly made a major mistake and should have corrected it immediately.  I am not satisfied with the CoreLogic's response to date and the request for additional time.  I still need to know how this issue is going to be resolved.  If this happened to me, I would assume that it has happened to many others. This affects people lives. 
Regards,
[redacted]

In his complaint, Mr. [redacted] states that his CoreLogic [redacted] (“[redacted]”) account was closed without notice, and he would like the criteria for the lists that he saved over the last two months to be retrieved and sent to him.Our records indicate the following:• In 2015, Mr. [redacted] opened a trial...

[redacted] account without a contract. Because it was without a contract, this account provided Mr. [redacted] with temporary access to a trial service that [redacted] extends to potential clients who want to try out the platform. There is no monthly payment plan for this trial service, and it is on a transaction-only basis.• On or around September 22, 2016, Mr. [redacted] contacted a [redacted] sales executive regarding his account being closed. The sales executive explained that [redacted] had closed non-contracted accounts as a fraud prevention measure. The sales executive also explained that Mr. [redacted] would be able to set up a new account under the new contract, which is set up as a 12-month agreement. The new account would include the previous lists, saved searches, and pricing. Mr. [redacted] informed the sales executive that he did not want to pursue the new contracted account.Mr. [redacted] did not have a contract for services with [redacted], and the access he was provided was a trial service with no contract for any specific term. If Mr. [redacted] would like to open a new contracted account, he can contact [redacted] directly, and we would be happy to assist with setting it up for him. Further, if Mr. [redacted] opens a new contracted account by October 31, 2016, we would also be able to retrieve the historical lists for him.If Mr. [redacted] would like to open a new contracted account or has any questions, he may contact our Client Services Team at 1-800-345-7334.Sincerely,CoreLogic 1-800-345-7334

We are currently in the process of researching our records in connection with the complaint filed by Ms. [redacted].  However, due to holiday scheduling, we respectfully request an extension until January 14th to complete our research and provide an appropriate response to Ms. [redacted]'s complaint.

In his complaint, Mr. [redacted] states that he did not authorize [redacted] and [redacted] to access his credit report on April 21, 2016 and April 22, 2016. He also states his dissatisfaction with being told it could take up to 60 days for CoreLogic [redacted] to conduct its investigation into the...

inquiries he indicated was unauthorized, and that he was not provided with a fax number or mailing address.Please note that CoreLogic [redacted] (“[redacted]”) 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 [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. [redacted] was able to locate and review the recorded phone call that occurred on or around September 23, 2016 between Mr. [redacted] and the [redacted] customer service agent. The following is a recap of the phone call:Mr. [redacted] inquired about two inquiries on his credit report and asked what he had to do to remove them. After authenticating Mr. [redacted], the agent reviewed the inquiries with Mr. [redacted] and asked if he had ever done business with [redacted] and [redacted]. Mr. [redacted] responded that he had not, and the agent advised that [redacted] would initiate a permissible purpose audit on his behalf to validate that the end users had permissible purpose to pull his credit report. He was also advised that per our policy, the process can take up to 60 days. Mr. [redacted] asked if he could fax any sort of documentation to [redacted] to expedite the process to be faster than 60 days. The agent advised that additional documentation from the consumer was not necessary for the purposes of validation of permissible purpose. Mr. [redacted] then stated that he would contact [redacted] and [redacted] himself to try to expedite the process since [redacted] is a third party, and disconnected the call.Following the phone call with Mr. [redacted] initiated the permissible purpose audit in accordance with [redacted]’s policy. Please note that the permissible purpose audit concluded on October 13, 2016. Although our policy states that it may take up to 60 days to complete the audit, in this situation we were able to complete the audit in 20 days. Further, the reason why Mr. [redacted] was not provided with [redacted]’s fax number or mailing address was because it was not necessary for Mr. [redacted] to provide additional documentation in order for us to conduct the permissible purpose audit.Our records and the result of the permissible purpose audit indicate the following:On or around April 21, 2016, our client, [redacted], ordered Mr. [redacted]’s credit report through [redacted] that contained credit information obtained from each of the NCRAs. We contacted [redacted] to confirm that it had a permissible purpose to access his credit report. [redacted] informed us that it accessed Mr. [redacted]’s credit report pursuant to his verbal authorization in connection with a mortgage transaction. On or around April 22, 2016, our client, [redacted], ordered Mr. [redacted]’s credit report through [redacted] that contained credit information obtained from each of the NCRAs. We contacted [redacted] to confirm that it had a permissible purpose to access his credit report. [redacted] informed us that it accessed Mr. [redacted]’s credit report pursuant to his verbal authorization in connection with a mortgage transaction. If Mr. [redacted] believes that [redacted] and [redacted] did not have a permissible purpose to order his credit report, or if he has any questions regarding its inquiry, he should contact them directly at:[redacted]If Mr. [redacted] believes that he has been the victim of identity theft, he should contact the Federal Trade Commission at:FEDERAL TRADE COMMISSIONConsumer Response CenterRoom 130-B600 Pennsylvania Ave., NWWashington, D.C. 205801-877-438-4338 www.identitytheft.gov If Mr. [redacted] is still concerned about who can access his credit report, then he may want to contact the NCRAs directly to request that a security freeze be placed on his credit files the NCRAs maintain on him. A security freeze is designed to prevent the information in his credit files from being reported to others (such as credit grantors and other companies) without his consent. Information regarding how to place a security freeze on his credit files can be found at the following NCRA websites:Experian: https://www.experian.com/freeze/center.htmlEquifax: http://www.equifax.com/help/credit-freeze/en_cpTransUnion: http://www.transunion.com/personal-credit/credit-disputes/credit-freezes.pageMr. [redacted] may also wish to add a statement to his files maintained by the NCRAs disputing the accuracy or completeness of the [redacted] and [redacted] inquiries, as such inquiries would be reflected, and is maintained, in the files the NCRAs maintain on him. Their addresses, phone numbers and websites are as follows:Experian                        Equifax                                 Trans Union P.O. Box 2002                     P.O. Box 740241                     P.O. Box 2000Allen, TX 75013                 Atlanta, GA 30374                  Chester, PA 19022Attn: NCAC                        Attn: Disputes                         Attn: Disputes1-888-397-3742                   1-800-685-1111                      1-800-916-8800www.experian.com www.equifax.com www.transunion.com If Mr. [redacted] has any further questions, he may contact our Consumer Services department at 1-800-637-2422.Sincerely,CoreLogic [redacted]

In his complaint, Mr.
[redacted] desires to dispute certain information that is appearing in his
CoreLogic SafeRent ("SafeRent") consumer report and he requests that
his file be corrected.
SafeRent is a tenant
screening company.
In accordance with our
obligations under section 611 of...

the Fair Credit Reporting Act
("FCRA"), we will reinvestigate the matter to determine whether the
disputed information is inaccurate. Upon completion of our reinvestigation, we will
(1) record the current status of such information in the consumer file that we
maintain on Mr. [redacted], and (2) mail the results of our reinvestigation
directly to Mr. [redacted].

In
her complaint, the consumer states that she is having difficulty in obtaining a
disclosure copy of her CoreLogic [redacted] (“[redacted]”) file.
 
Please
note that [redacted] is a consumer reporting agency governed by the applicable
provisions of the Fair Credit Reporting Act (“FCRA”).  Section 610(a)(1) of the FCRA states that a
consumer reporting agency shall require, as a condition of making a file
disclosure to a consumer, that the consumer furnish proper identification.  Thus, we have implemented a flexible consumer
identity verification process to ensure that a consumer has access to his or
her [redacted] file while maintaining the confidentiality of any disclosures we
might make.
 
Our
records indicate that on May 7, 2015, the consumer called our Consumer Services
Department and requested a disclosure copy of her [redacted] file.  Because of the scarcity of the information in
the consumer’s file, we were unable to verify the consumer’s identity over the
phone.  We offered to mail an identity
verification form to her, which would allow us to verify her identity through
an alternative mechanism.  For the
consumer’s convenience, we have provided a copy of the identity verification
form along with this letter.  We can
continue to process the consumer’s request for a disclosure copy of her
[redacted] file if she returns the completed identity verification form and
provides the relevant documentation requested to us via mail or facsimile. 
 
If
the consumer has any questions, she may contact us directly at [redacted]
and ask to speak with [redacted], Supervisor of Consumer Services.

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'm not jumping through any hoops for this company.  It took NO effort for [redacted] to add this inquiry to my credit report.  I wasn't asked for my identification when you pulled my credit report.  This is absolutely ridiculous!  I've attached my identity theft affidavit and my police report.  I'm not sending anything else.  Maybe [redacted] needs to re-think who they do business with.  I want this inquiry removed immediately.  I am filing complaints with the CFPB, the FTC, and the Attorney General's office. 
Regards,
[redacted]

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.
Regards,
[redacted]

In
his complaint, Mr. [redacted] states that he did not receive a sufficient
explanation from CoreLogic [redacted] (“[redacted]”) regarding his credit score. Mr.
[redacted] desires to know the specific details regarding the factors that impacted
his score.
Please note that [redacted] is a reseller of...

the credit information
and credit scores 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, or
other qualified end-users), we order the credit information and credit scores
from one or more of the three NCRAs. 
Also, as a reseller, [redacted] does not manipulate any credit score that it
receives from the NCRAs.
Our
records indicate that on or around November 3, 2015, a [redacted] customer service
representative (the “CSR”) contacted Mr. [redacted] by telephone to discuss
[redacted]’s understanding of the factors the NCRAs consider in developing their credit
scores.  [redacted]’s CSR also provided Mr.
[redacted] with examples of information in his credit report that may have
adversely impacted his credit score.  We
believe Mr. [redacted] was satisfied with our explanation.  For additional information regarding the
NCRA’s various credit scoring models, we recommend that Mr. [redacted] contact
each NCRA at the following address:
EQUIFAX                             EXPERIAN                           TRANSUNION
P.O.
Box 740241                    P.O. Box
2002                        P.O. Box 1000
Atlanta,
GA 30374                 Allen, TX 75013                     Chester, PA  19022
1-800-685-1111                      1-888-397-3742                      1-866-887-2673
www.equifax.com                  www.experian.com                 www.transunion.com
           
If
Mr. [redacted] has any further questions, he may contact our customer service
department at 1-800-637-2422.

In
her complaint, [redacted] states that there is incorrect information being
reported in her CoreLogic [redacted] ("[redacted]") consumer report, and she
requests that such inaccurate information be corrected.
 
Please note that Corelogic
[redacted], LLC (“[redacted]”) is a consumer...

reporting agency as defined in the
Fair Credit Reporting Act (“FCRA”). 
[redacted] maintains public landlord/tenant and criminal court records,
which it provides to its clients who are typically landlords and property
management companies for the purpose of determining housing eligibility of
prospective tenants. 
 
Our records indicate that on or
around August 18, 2015, [redacted] submitted a dispute to our office regarding
the reporting of certain public record information (the “Information”) that was
appearing in her [redacted] consumer report.  
In accordance with our obligations under section 611 of the FCRA, we
reinvestigated the matter and based upon our research, we confirmed the current
status of the Information in the file we maintain on [redacted]. 
 
On or around August 26, 2015, we
mailed [redacted] the results of our reinvestigation. 
 
Should you or the consumer have any
additional questions or concerns, please feel free to contact us at
1-888-333-2413.

We are still in the process of researching this matter.  As such, we respectfully request a 10 day extension to provide a more definitive response to the consumer's complaint.

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.
The business response was unclear.  All I would like to know is whether the inquiry made by [redacted] that he made on 07/15/2014 be deleted?  It shouldn't be on my credit report because I did not authorize anyone to run my credit report on that date.
Regards,
[redacted]