Information Searching Company

Re: Complaint [redacted] I would first like to explain that Information Searching Coprovides credit report services to mortgage companies; we are not responsible for what reports on your credit report as that information comes directly from the three bureau repositories (Experian, TransUnion and Equifax)I apologize that you had to take your personal time to contact the creditor yourselfIf you had contacted me directly, I would have been more than willing to explain the matter to you and help you file a dispute directly with TransUnion to have the Home Depot account investigated on.On 12/22/14, we received a request from your mortgage broker, Century Plaza, to verify a number of accounts on your credit report to show that they were paid and closed to help clear conditions from your lenderOne of the request was to show that the THD/CBNA account was paid and closedWhen we tried to call and verify that THD/CBNA was paid and closed, we were unable to obtain account information because your social did not match the accountAfter informing your mortgage broker that we were unable to complete the request, they told us at a later time that the account did not belong to youWe then proceeded to provide your broker with the supplement to show that the account does not belong to you.Again, ISC is not responsible for what reports on your credit report, we only obtain information directly from Experian, TransUnion, and Equifax to provide mortgage brokers with a credit report for loan approvalsWe would have been more than willing to file a dispute on your behalf with the bureaus if see any kinds of discrepancies on your credit report if you contacted us directlyThe fees that you have paid for were for your lender's conditions for your loanIf you feel that there are discrepancies in that matter, please contact your mortgage brokerWe have done everything that your mortgage broker requested as far as verifying your account information and providing them with supplemental reportsIn no way have we misreported any of your informationPlease feel free to contact me directly with any further questions at [redacted] or email me directly at [redacted] .Thank you, [redacted] ***Account Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowThank you for the reply. I realize the function/purpose of
a credit reporting service. I am not holding you responsible for what
TransUnion or Experian said. I am holding you responsible for the
behavior and attitude as it related to this report. Per my loan broker
and loan processor, your office claimed to have talked with Home Depot several
times and that the social security number for the account matched mineYou did not do everything my broker requested re “verifying your
account information”; if THD/CBNA told you that the social security number in
the account did not match mine, you should have told the broker so and not
insisted that Home Depot was saying it was mine
Regards,
*** ***
"

Re: Complaint [redacted]I would first like to explain that Information Searching Co. provides credit report services to mortgage companies; we are not responsible for what reports on your credit report as that information comes directly from the three bureau repositories (Experian, TransUnion and...

Equifax). I apologize that you had to take your personal time to contact the creditor yourself. If you had contacted me directly, I would have been more than willing to explain the matter to you and help you file a dispute directly with TransUnion to have the Home Depot account investigated on.On 12/22/14, we received a request from your mortgage broker, Century Plaza, to verify a number of accounts on your credit report to show that they were paid and closed to help clear conditions from your lender. One of the request was to show that the THD/CBNA account was paid and closed. When we tried to call and verify that THD/CBNA was paid and closed, we were unable to obtain account information because your social did not match the account. After informing your mortgage broker that we were unable to complete the request, they told us at a later time that the account did not belong to you. We then proceeded to provide your broker with the supplement to show that the account does not belong to you.Again, ISC is not responsible for what reports on your credit report, we only obtain information directly from Experian, TransUnion, and Equifax to provide mortgage brokers with a credit report for loan approvals. We would have been more than willing to file a dispute on your behalf with the bureaus if see any kinds of discrepancies on your credit report if you contacted us directly. The fees that you have paid for were for your lender's conditions for your loan. If you feel that there are discrepancies in that matter, please contact your mortgage broker. We have done everything that your mortgage broker requested as far as verifying your account information and providing them with supplemental reports. In no way have we misreported any of your information. Please feel free to contact me directly with any further questions at [redacted] or email me directly at [redacted].Thank you,[redacted]Account Manager

Review: This company claims to be a serious credit reporting company. They are not. In the process of buying a home, my loan broker used them as their credit source. There was an account that was not mine and, no matter how much I argued, they insisted it was. They got to the point of telling us they had called the vendor and that the vendor had indicated it was mine; when I called the vendor they of course had no record of me/my social security number as the account was not mine. They are lazy and rather than reporting/correcting a mistake, their solution was to try and force me to pay off a bill that was not mine. It got to the point where I had to take time off from work to solve this as I could not sit at work and spend hours on the phone arguing with dumb, lazy people. In fact, it almost cost me the home we were trying to purchase as we were running out of time to meet the seller's demands. A disgrace to the credit community, a hole-in-the-wall kind of attitude/behavior that should not be allowed. And to think this kind of "ethical" and professional set-up has access to personal and financial information for tons of people! Scary!!!!!Desired Settlement: I want a refund of the amount charged for the report and for the time I had to take from work. I am willing to not take them to court for damages/defamation of character and fraud. I would love to see them shut down by the pertinent authorities!

Business

Response:

Re: Complaint [redacted]I would first like to explain that Information Searching Co. provides credit report services to mortgage companies; we are not responsible for what reports on your credit report as that information comes directly from the three bureau repositories (Experian, TransUnion and Equifax). I apologize that you had to take your personal time to contact the creditor yourself. If you had contacted me directly, I would have been more than willing to explain the matter to you and help you file a dispute directly with TransUnion to have the Home Depot account investigated on.On 12/22/14, we received a request from your mortgage broker, Century Plaza, to verify a number of accounts on your credit report to show that they were paid and closed to help clear conditions from your lender. One of the request was to show that the THD/CBNA account was paid and closed. When we tried to call and verify that THD/CBNA was paid and closed, we were unable to obtain account information because your social did not match the account. After informing your mortgage broker that we were unable to complete the request, they told us at a later time that the account did not belong to you. We then proceeded to provide your broker with the supplement to show that the account does not belong to you.Again, ISC is not responsible for what reports on your credit report, we only obtain information directly from Experian, TransUnion, and Equifax to provide mortgage brokers with a credit report for loan approvals. We would have been more than willing to file a dispute on your behalf with the bureaus if see any kinds of discrepancies on your credit report if you contacted us directly. The fees that you have paid for were for your lender's conditions for your loan. If you feel that there are discrepancies in that matter, please contact your mortgage broker. We have done everything that your mortgage broker requested as far as verifying your account information and providing them with supplemental reports. In no way have we misreported any of your information. Please feel free to contact me directly with any further questions at [redacted] or email me directly at [redacted].Thank you,[redacted]Account Manager

Consumer

Response:

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.

Thank you for the reply. I realize the function/purpose of

a credit reporting service. I am not holding you responsible for what

TransUnion or Experian said. I am holding you responsible for the

behavior and attitude as it related to this report. Per my loan broker

and loan processor, your office claimed to have talked with Home Depot several

times and that the social security number for the account matched mine.You did not do everything my broker requested re “verifying your

account information”; if THD/CBNA told you that the social security number in

the account did not match mine, you should have told the broker so and not

insisted that Home Depot was saying it was mine.