Wilderness Village Campground Association

In her complaint, Ms. [redacted] is disputing a landlord/tenant judgement on her CoreLogic Rental Property Solutions consumer report, and she would like for the information to be removed.Please note that CoreLogic Rental Property Solutions, LLC (“CLRPS"), is a consumer reporting agency as defined in the...

Fair Credit Reporting Act (“FCRA”). CLRPS collects public landlord/tenant and criminal court records which it provides to its clients who are typically property management companies, landlords, and apartment complexes in the multi-family housing industry for the purposes of evaluating housing eligibility of an applicant. CLRPS is alsocredit information provided by the three national consumer reporting agencies (Equifax, Experian, TransUnion, collectively, the “NCRAS”). In order to obtain a consumer report from CLRPS, our clients certify that they have a permissible purpose under the FCRA to do so.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 the following:CLRPS received a CFPB complaint, #[redacted] on September 16, 2017. We reached out to Ms. [redacted] on September 20, 2017 to determine the reason for the dispute.Ms. [redacted] stated that she would file a dispute online and declined to have the Consumer Relations representative open a dispute on her behalf.On December 28, 2017, CLRPS received a dispute from Ms. [redacted] via postal mail. We processed her request as a dispute in accordance with the requirements set forth in Section 611(f) of the Fair Credit Reporting Act. Our re-investigation results determined that the record required an update to the disposition. We updated the disposition information of the record and sent Ms. [redacted] the reinvestigation results via postal mail on January 18, 2018.If Ms. [redacted] has any questions, she may contact our Consumer Services department at 1-888-333-2413.

To Whom It May Concern:
Thank you for making CoreLogic Rental Property Solutions, LLC (“CLRPS”) aware of this
complaint. We have looked in to this matter and provide the following response.
By way of background, CLRPS is a consumer reporting agency as defined in the Fair Credit
Reporting Act...

(“FCRA”). CLRPS collects public landlord/tenant and criminal court records
which it provides to its clients who are typically property management companies, landlords, and
apartment complexes in the multi-family housing industry for the purposes of evaluating housing
eligibility of an applicant. CLRPS is also a reseller of the credit information provided by the
three national consumer reporting agencies (Equifax, Experian, TransUnion, collectively, the
“NCRAs”). In order to obtain a consumer report from CLRPS, our clients certify that they have a
permissible purpose under the FCRA to do so.
In the complaint, Mr. [redacted] states that he did not authorize a hard credit inquiry contained in a
consumer report provided by CLRPS. CLRPS has looked into this matter and notes the
following:
• On October 26, 2017, CLRPS’ client, Grapevine Station, requested and CLRPS provided
a consumer report relative to Mr. [redacted].
• On January 17, 2018, CLRPS received a call from Mr. [redacted] in which he stated that he
did not authorize the credit inquiry by Grapevine Station. CLRPS initiated a permissible
purpose audit of the above request from Grapevine Station.
• On February 14, 2018, CLRPS sent Mr. [redacted] the results of the permissible purpose
audit via U.S. Mail. A summary of the results of that audit are as follows:
o Grapevine Station ordered and CLRPS provided Mr. [redacted]’s consumer report
containing credit information from Experian. CLRPS contacted Grapevine Station
Page 2 of 2
to confirm that it had a permissible purpose to access Mr. [redacted]’s consumer
report. Grapevine Station informed CLRPS that it accessed Mr. [redacted]’s
consumer report in connection with his online application.
CLRPS also notes that the Grapevine Station Application page provides that “[a]s part of the
procedure for processing this application, all application information will be sent to an
independent third party source which will verify the information provided in this application,
including a credit screening, and additional information may be obtained from other sources.
A report will be provided to Grapevine Station containing an application score.”
CLRPS has acted in accordance with its established FCRA procedures and applicable law in
handling Mr. [redacted]’s concern. If Mr. [redacted] has any additional questions regarding
Grapevine Station’s inquiry, he can contact Grapevine Station directly at:
Grapevine Station
1022 Texan Trail
Grapevine, TX. 76051
Tel: (513) 601-0409
Further, Mr. [redacted] can also contact Experian and request that it add a comment to his file
stating that he disagrees with the inquiry.
Experian
P.O. Box 2002
Allen, TX 75013
Tel: 1-888-397-3742
www.experian.com
If Mr. [redacted] is still concerned about who can access his credit report, he may wish to contact
the NCRAs directly to request a security freeze on the credit files they maintain on him. A
security freeze is designed to prevent the information in a consumer’s credit file from being
reported to others (such as credit grantors and other companies) without the consumer’s consent.
Information regarding how to place a security freeze on a consumer’s credit file can be found at
the following NCRA websites:
Experian: https://www.experian.com/freeze/center.html
Equifax: http://www.equifax.com/help/credit-freeze/en_cp
TransUnion: http://www.transunion.com/personal-credit/credit-disputes/credit-freezes.page
Again, CLRPS has acted in accordance with its FCRA obligations in this matter. However, if
Mr. [redacted] has any other questions, he can contact the CLRPS Consumer Services Department
at 1-888-333-2413.
Sincerely,
CoreLogic Rental Property Solutions, LLC

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, [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]
[redacted]  [redacted]
[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

Revdex.com:
Under the Fair Credit Reporting Act, I  dispute the judgement filed on 3/1/2011 in the
County of Los Angeles (Case #11L00474). 
Under the Fair Credit Reporting Act, derogatory items over 7 years old
must be removed from my consumer report.  
I submitted a new dispute directly with Core logic Date 3/2/2018.  I expect CoreLogic to Follow-Up and remove the eviction from 3/1/2011 which is now over 7 years old.
 
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

As we stated in our original reponse, we would be more than happy to assist Ms. [redacted] if she provides us with the information requested.  She can call our toll
free telephone number at [redacted] and ask for Ms. [redacted] who can
assist her.

Re: Case # [redacted] – [redacted]In his complaint, Mr. [redacted] indicates that he has not received a list that he purchased. He also indicates that he has not received an email in response to this transaction.Please note that we are unable to locate Mr. [redacted] in our systems or products as a client...

of CoreLogic. However, we were able to locate a business client for CoreLogic ListSource under the name of “[redacted] P” and matching the email address as indicated in the Revdex.com complaint. As such, our response is with respect to our interactions with the business client, “[redacted]”.Our records indicate the following:• On August 22, 2017, CoreLogic Sales received an email from business to business client [redacted] demanding a purchased list.• On August 22, 2017, a CoreLogic Service Agent replied to the email providing instructions on how to access and download the list. The Agent also asked [redacted] to provide us with a Username if they were unable to see their list per the instructions, so that we could check on the list.• August 29, 2017, our Service Agent followed up with another email asking if the client was able to export their list and again directed the client to contact us if they could not.• August 29, 2017, our Service Agent called the client. There was no answer and no prompt for a voicemail.• On August 30, 2017, this was escalated to a Supervisor, who called the client three times. On each attempt, there was no answer or prompt for a voicemail.Page 1 of 2• On August 31, 2017, our Service Agent called the client again, and there was no answer or prompt for a voicemail..• On August 31, 2017, our Supervisor called the client four times. Again, on each attempt there was no answer or prompt for a voicemail.Because the client, [redacted], has not responded to our multiple attempts to assist, as of August 31, 2017, the reported issue has been closed. Should Mr. [redacted] or [redacted] have any other questions, he may call our Customer Support at 1-866-404-2035.Sincerely,CoreLogic ListSource

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.
Please send signed...

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

In her complaint, Ms. [redacted] indicates that on August 23, 2017, she received notification from [redacted] regarding an unauthorized Credco inquiry appearing on her credit report, and she would like for the inquiry to be removed from her credit report. She also indicates she tried to contact the...

“company” to resolve the issue and did not receive a call back.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], [redacted], [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 the following:• On September 18, 2017, Credco received a faxed letter dated September 14, 2017 from the end user who had ordered Ms. [redacted]’s credit report resulting in an inquiry dated August 23, 2017 appearing on her credit report. The letter explained that Ms. [redacted] submitted a credit application with this end user on August 23, 2017, at which time her credit was evaluated for creditworthiness. The credit pull was authorized by Ms. [redacted] via her application, however she decided not to proceed with the credit [redacted]action offered to her by the end user. They received a request from Ms. [redacted] that she wishes to have the inquiry removed for this reason. Therefore, this end user requested that Credco assist with an inquiry removal request with the applicable NCRAs from the files they maintain on Ms. [redacted].• Upon receipt of this inquiry removal request from the end user, on September 21, 2017 Credco fulfilled the end user’s request and assisted them with submitting requests to eachPage 1 of 2of the NCRAs to remove the August 23, 2017 inquiry from the files they maintain on Ms. [redacted].Please note that the decision as to whether the NCRAs will remove the inquiry is solely within their discretion. Further, the NCRAs typically do not, nor are they obligated to, provide us with disposition and status updates regarding the inquiry removal request. Although Credco requested that the applicable NCRAs remove the August 23, 2017 inquiry, Ms. [redacted] may also wish to obtain a copy of her files maintained by the NCRAs. If the inquiry remains, she can dispute the inquiry directly with them and, if necessary, add a statement to her files maintained by the applicable NCRAs. Their addresses, phone numbers, and websites are as follows:[redacted] www.[redacted].com www.[redacted].com www.[redacted].comFurther, upon review of our systems, we were unable to locate any prior communications with Ms. [redacted]. If Ms. [redacted] has any questions, she may contact our Consumer Services Department at 1-800-637-2422.

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.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]

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 was rejected when applying for an apartment because of the information contained in your report about me.
Regards,
[redacted]

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.

Revdex.com 4747 Viewridge Ave. #200 San Diego, CA 92123Re: Complaint ID: [redacted] – [redacted] D [redacted]We are in receipt of Mr. [redacted]’s re-complaint indicating that he was not satisfied with our prior response to the Revdex.com. He indicates that I tis not his responsibility to provide extra information regarding a dispute, and rather it is the responsibility of the furnisher to fully investigate. He also states, “The fact that the inquiry cannot be validated proves I did NOT give permission for the company to pull my 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.As indicated in our prior response to the Revdex.com, Mr. [redacted] had filed complaints with the Revdex.com and the Consumer Financial Protection Bureau (CFPB) indicating there is an unauthorized inquiry dated March 31, 2016 appearing on his Equifax credit report. Credco was unable to validate inquiries in our systems for Mr. [redacted]. Therefore, on January 4, 2018, Credco sent Mr. [redacted] a response letter requesting that he provide us with his social security number so that we could continue our research to locate the inquiry referenced in the complaint in our systems for him.When we stated that we were unable to validate inquiries in our systems, that meant that we were unable to locate a March 31, 2016 or any other inquiry for Mr. [redacted] in our systems utilizing the information he provided in the Revdex.com and CFPB complaints in accordance with our procedures. When Credco receives a notification from a consumer that a specific inquiry is unauthorized, we file a permissible purpose audit where we reach out to the end user to confirm that it had a permissible purpose to access the consumer’s credit report. Before we can file a permissible purpose audit, Credco needs to be able to locate the inquiry at issue for the consumer in our systems. Without this information, we are unable to proceed with an investigation. Assuch, Credco sent requests for Mr. [redacted] to provide his social security number to us on January 4, 2018, March 6, 2018, and March 12, 2018 so that we could continue our research to locate an inquiry in our systems for him. Mr. [redacted] has not responded to our requests and we are unable to locate the inquiry referenced in the complaint by Mr. [redacted].We request that Mr. [redacted] provide us with his social security number so that we can continue our research. If Mr. [redacted] has any questions or would like for us to continue our research into this matter, he may contact our Consumer Services Department at 1-800-637-2422. He can also send us his social security number by mail to PO Box 509124, San Diego, CA 92150 or by fax to 1-800-237-6526.Sincerely,CoreLogic CredcoPage 2 of 2

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], 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].

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

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 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]