CoreLogic Inc

CoreLogic Tax Services has confirmed with the Town of
[redacted] that [redacted] refund check was never sent to
CoreLogic Tax Services. Per the Town of [redacted],
refund check
number [redacted] was sent to [redacted] Mortgage, but was never was
delivered.  [redacted] Mortgage...

sent a letter to the Town of [redacted] on March 17 requesting
a
new check.  The new refund check, number [redacted], was issued
and sent directly to [redacted] Mortgage.

In
his complaint, Mr. [redacted] is disputing the accuracy of certain information
(the “Disputed Information”) contained in a credit report generated by
CoreLogic Credco ("Credco").
Credco
is a reseller of the credit data and other information provided by the three
national consumer...

reporting agencies (Experian, Equifax, TransUnion,
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 data and other information from one or more of the three
NCRAs.
Credco
will (a) process this complaint as a dispute in accordance with the
requirements set forth in section 611(f) of the Fair Credit Reporting Act, and
(b) provide the reinvestigation results directly to Mr. [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 asking that Credco provide their finding through the Revdex.com and not via mail.
Regards,
[redacted]

Re: Case # [redacted] – [redacted]In her complaint, Ms. [redacted] states there is an unauthorized hard inquiry dated March 20, 2017 appearing on her credit report, and she would like the hard inquiry to be removed.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 (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.Our records indicate that on or around March 20, 2017, our client, OCMBC Inc., ordered an LQ Credit Report through us. Upon review of our prior phone calls with Ms. [redacted], she stated that her lender informed her that the inquiry should have resulted in a soft pull. Our system indicates that the inquiry resulted in soft pulls with Experian and Trans Union, and a hard pull with Equifax. We are currently investigating this matter, and as a courtesy will submit a request to Equifax to update the file they maintain on Ms. [redacted] to reflect the March 20, 2017 inquiry as a soft inquiry.If Ms. [redacted] has any questions, she may contact our Consumer Services Department at 1- 800-637-2422.

I was denied credit (an apartment) because of this information.

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. A voliation of the Fair Credit Act 1974. 
Regards,
[redacted]

In his re-complaint, Mr. [redacted] indicates that CoreLogic [redacted]’s (“[redacted]”) response dated March 22, 2017 does not resolve his complaint. He requests that [redacted] provide the results of the permissible purpose audit to both Mr. [redacted] and the Revdex.com. He further states that he has contacted “this company” in writing and telephone, and he has not received a response.Please note that CoreLogic [redacted] (“[redacted]”) 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, automobile dealerships 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 [redacted], 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 [redacted] orders credit information from the NCRAs to prepare a report, [redacted] is required to provide to the NCRAs the identity of its client requesting the report.As indicated in our prior response to Mr. [redacted]’ Revdex.com complaint dated March 22, 2017, the only record we have of communication with Mr. [redacted] was when he called us on March 16, 2017, which resulted in us immediately initiating permissible purpose audits in response to his complaint. We are unable to locate any other communications with or from Mr. [redacted] in our records.Our policies and procedures require that we provide the permissible purpose audit results directly to Mr. [redacted]. Pursuant to Mr. [redacted]’ request in the March 23, 2017 communicationPage 1 of 2through the Revdex.com, we will also provide the permissible purpose audit results to the Revdex.com once the audit has been completed.If Mr. [redacted] has any questions, he may contact our Consumer Services department at 1-800- 637-2422.Sincerely,CoreLogic [redacted]

In her
complaint, Ms. [redacted] states that she never applied for a loan with Discover
Home Loans and she requests that the inquiry be removed from her Equifax,
Experian and TransUnion credit reports.   
 
Please note that
Credco 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 lenders and other qualified end-users), we order the credit
information from one or more of the three NCRAs.
 
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 [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 never authorized them to market my credit. They are "reselling" (their word not mine) MY credit information.
I want those inquiries removed and a letter of explanation and apology put  into my credit report
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.
[As you will see attached is a screenshot from the day I had the 2nd conversation with a representative from Credco who told me to fax attn: cb review team (name) last 4# of my ss, address, phone number, date of inquiry for dispute. He stated that they'll give me 30 days from the requested date. Which you will also see a screenshot of my efax successful email submissions. ]
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.
first of all they put the wrong address on the package and it was returned to them incomplete address even though they had the right address and their information is whats keeping me from renting. they say I failed criminal background check and the info they has supposedly on me says i'm in federal prison doing 30 years to life for drugs and weapons charges.the person that they say is me still has 23 years minimum in jail and it would make it hard to buy a mobile home to live in 2037? they do not check to see if the info is correct or not and i'm automatically
guilty regardless till I prove otherwise.[redacted] is the  most common name there is and they are too stupid to realize that they're making me homeless until they decide if I can live inside or not the longer they delay the more lawyers will get involved
Regards,
[redacted]

In her complaint,
Ms. [redacted] is questioning several MAA Colonial Village at Woodlake inquiries that are
appearing on her credit report.
 
Please note that
CoreLogic SafeRent (“SafeRent”) is a tenant screening company and a reseller of
the credit information provided by the three...

national consumer reporting
agencies ([redacted], [redacted], [redacted], collectively, the "[redacted]").
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.
 
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 [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.
Please send signed...

documents by me giving your company permission to run my credit report!
Regards,
[redacted]

Re: Case # [redacted] – J[redacted]In her complaint, Ms[redacted] states 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.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 (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.Based on the information provided in the complaint, we were able to locate four reporting inquiries in our system dated August 23, 2016, September 19, 2016 and September 24, 2016. As such, Credco will (a) process this complaint as a permissible purpose audit in accordance with the requirements set forth in the Fair Credit Reporting Act, and (b) provide the permissible purpose audit results directly to Ms. [redacted].Further, upon review of our systems with the information provided in the complaint, we were unable to locate any records of communications with Ms[redacted] prior to receipt of this complaint.If Ms[redacted] has any questions, she may contact our Consumer Services Department at 1-800- 637-2422.Sincerely,CoreLogic Credco

In
her complaint, Ms. [redacted] states that there is inaccurate information being
reported in her CoreLogic SafeRent (“SafeRent”) consumer report.
SafeRent
is a tenant screening company and a reseller of the credit information provided
by the three national consumer reporting agencies...

(Equifax, Experian, 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 contains NCRA credit information, it orders such
credit information from one or more of the three NCRAs.
We
contacted Ms. [redacted] directly to determine the specific items of information she
was disputing.  Ms. [redacted] informed us that
she is disputing two items of information being reported by Experian.
Based
upon our conversation with Ms. [redacted], we will (a) process her complaint as a dispute in accordance with the applicable
requirements set forth in section 611(f) of the Fair Credit Reporting Act, and
(b) provide the reinvestigation results directly to Ms. [redacted].

In her complaint, Ms. [redacted] states that CoreLogic SafeRent, LLC (“SafeRent”) is reporting false information about her 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. 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. To date, Ms. [redacted] has not responded back to our request.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, LLCP.O. Box 509124San Diego, CA 92150Telephone: 1-888-333-2413

We stand by our original response to the consumer.  We suggest that the consumer work directly with [redacted] to resolve any outstanding issues.  We previously provided the consumer with contact information for [redacted].

In
his complaint, [redacted] states that CoreLogic [redacted] (“[redacted]”), a tenant
screening company, is incorrectly reporting certain items of information (the “Information”)
on his consumer report and he requests that [redacted] remove the Information
from the file it maintains on him.
 
Pursuant
to section 611(a)(1)(A) of the Fair Credit Reporting Act (“FCRA”), if the
completeness or accuracy of any item of information contained in a consumer’s
file at a consumer reporting agency is disputed by the consumer and the
consumer notifies the agency directly of such dispute, the agency shall conduct
a reasonable reinvestigation to determine whether the disputed information is
inaccurate and record the current status of the disputed information, or delete
the item from the file before the end of the 30-day period beginning on the
date on which the agency received the notice of the dispute from the consumer.
 
Our
records indicate that on June 1, 2015, [redacted] disputed the Information
directly with [redacted].  In accordance
with our obligations under section 611 of the FCRA, we investigated the matter
and based upon our research, we mailed the results of our reinvestigation to [redacted] on June 23, 2015.
 
If
[redacted] has any questions, he may call our Consumer Services Department at
1-888-333-2413.

CoreLogic Credco (“Credco”)
maintains a written agreement with [redacted] (“[redacted]”)
whereby Credco provides [redacted] with various products and
services.  Credco has been engaged in correspondence and conversation with
the complainant, who has purported to act...

on behalf of [redacted], in
which he has made demands of Credco similar to those made in his correspondence
to the Revdex.com.  Based upon our research into this matter, we have determined
that there is no basis for [redacted]’s demands under the applicable
agreement.

In...

her complaint, Ms. [redacted] requests that CoreLogic SafeRent (“SafeRent”), a tenant screening company, remove certain inquiries from her consumer file on the ground that they are “outdated.”  Ms. [redacted] states that the inquiries are dated April 6, 2011, and alleges that SafeRent’s failure to remove these inquiries is a violation of the Fair Credit Reporting Act (FCRA).
 
The FCRA does not require SafeRent to remove the inquiries that Ms. [redacted] has identified.  Section 605 of the Fair Credit Reporting Act (“FCRA”) governs the time limits beyond which a consumer reporting agency, like SafeRent, cannot include certain negative information in consumer reports.  In general, the FCRA establishes a seven year time limit for negative information, with a longer time limit for bankruptcies.  Criminal convictions are not subject to a time limitation.  Similarly, there is no time limit imposed on positive or neutral information.
 
The inquiries that Ms. [redacted] has identified are not considered “negative” information under the FCRA and are not subject to the seven-year limitation.  Further, even if the seven-year limitation did apply, the inquiries identified by Ms. [redacted] are within that time frame.  Therefore, SafeRent declines Ms. [redacted]’s request to remove the identified inquiries. 
 
SafeRent apologizes for any inconvenience caused Ms. [redacted] by any lack of clarity in its responses to her dispute.  We hope that this letter provides Ms. [redacted] with a sufficient explanation as to why her dispute was denied.  If she would like further information, however, Ms. [redacted] can contact our Consumer Services Department at 1-888-333-2413 and ask for Mr. [redacted], Supervisor.
 
Please note that SafeRent is a tenant screening company and does not offer consumer financial products or services as defined by the Dodd-Frank Act.