Wilderness Village Campground Association

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 a consumer, legally, it is not my responsibility to provide any extra information regarding a disputeIt is the responsibility of the furnished to fully investigate the disputeIf my claim is false, the furnished should be able to provide visible proof of the inquiryThe fact that the inquiry cannot be validated proves I did NOT give permission for the company to pull my reportThey must remove the inquiry if they cannot provide proofIt is the LAW 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 Please send signed documents by me giving your company permission to run 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 On the agreement I signed with Grapevine, there is nowhere where I explicitly authorized them to perform a Hard Credit inquiryA soft inquiry was sufficient for them to review my application, and still they went ahead and performed a Hard inquiry without my explicit consentCan Carelogic show me where does the verbiage Hard credit inquiry or Hard credit check is written on the agreement I signed with Grapevine? Regards, [redacted]

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 applicantCLRPS 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, We reached out to Ms [redacted] on September 20, 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 mailWe processed her request as a dispute in accordance with the requirements set forth in Section 611(f) of the Fair Credit Reporting ActOur re-investigation results determined that the record required an update to the dispositionWe 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-

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 contractBecause 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 platformThere 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 closedThe sales executive explained that [redacted] had closed non-contracted accounts as a fraud prevention measureThe 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 agreementThe new account would include the previous lists, saved searches, and pricingMr [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 termIf 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 himFurther, 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-

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 disputeHe stated that they'll give me days from the requested dateWhich you will also see a screenshot of my efax successful email submissions] 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: 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 creditThey 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]

In her complaint, *** *** is questioning a CoreLogic
Credco (“Credco”) inquiry that is appearing on her credit report and she
desires to have the inquiry removed from her credit profile
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 *** ***’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 ***

In her re-complaint, Ms*** states that she did not authorize a credit inquiry on March 4, that is appearing on her credit report, and she would like for the inquiry to be removed from her credit report.Please note that CoreLogic Credco (“Credco”) is not a creditorRather, it is a reseller of the credit information provided by the three national consumer reporting agencies (***, ***, ***, 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 NCRAsIn 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 soPursuant 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 reportThe NCRAs maintain a history of inquiries within their files.Our records indicate that on or around March 4, 2016, our client, Independent Bank, ordered Ms***’ credit report through Credco that contained credit information obtained from each of the NCRAsWe contacted Independent Bank to confirm that it had a permissible purpose to access her credit reportIndependent Bank informed us that they received verbal authorization to pull joint credit in relation to a mortgage transaction.After further review of the facts surrounding this matter, we have concluded that we will proceed with requesting the NCRAs remove the Independent Bank inquiry from the files that they maintain on Ms***.If Ms*** has any questions regarding the Independent Bank inquiry, she should contact Independent Bank directly at:*** *** - *** *** *** *** *** *** *** *** ** *** *** *** ***If Ms*** believes that she has been the victim of identity theft, she should contact the Federal Trade Commission at:FEDERAL TRADE COMMISSION Consumer Response Center Room 130-B Pennsylvania Ave., NW Washington, D.C1-877-438-www.identitytheft.govIf Ms*** is still concerned about who can access her credit report, then she may want to contact the NCRAs directly to request that a security freeze be placed on her credit files the NCRAs maintain on herA security freeze is designed to prevent the information in her credit files from being reported to others (such as credit grantors and other companies) without her consentInformation regarding how to place a security freeze on her credit files can be found at the following NCRA websites:***: https://www.***.com/freeze/center.html ***: http://www.***.com/help/credit-freeze/en_cp ***: http://www.***.com/personal-credit/credit-disputes/credit-freezes.pageMs*** may also wish to add a statement to her files maintained by the NCRAs disputing the accuracy or completeness of the Independent Bank inquiry, as such inquiry would be reflected, and is maintained, in the files the NCRAs maintain on herTheir addresses, phone numbers and websites are as follows:*** *** Trans Union P.OBox P.OBox P.OBox Allen, TX Atlanta, GA Chester, PA Attn: NCAC Attn: Disputes Attn: Disputes 1-888-397-1-800-685-1-800-916-www.***.com www.***.com www.***.comIf Ms*** has any further questions, she may contact our Consumer Services department at 1- 800-637-2422.Sincerely,CoreLogic Credco

Hello, I wanted to let you know that the company contacted me today and the issue is now resolvedThank you for your help

In
her complaint, Ms*** 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 Ms***

In her re-complaint, Ms*** states that the response from CoreLogic Rental Property Solutions aka CoreLogic SafeRent, LLC (“SafeRent”) dated October 14, 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 recordsSafeRent 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*** submitted a dispute request with SafeRent for an account from ** *** *** *** apartmentsHowever, there is no record of this account in Ms***’ consumer fileTherefore, in an effort to better assist her and resolve her complaint, we reached out to her via regular mail on October 5, requesting that she contact us.? On October 6, 2016, SafeRent responded to Ms***’ Revdex.com (“Revdex.com”) complaint explaining that we had requested Ms*** to contact us so that we can obtain the information needed to conduct the research into her complaintAs of that date, Ms*** had not responded back to our request.? On October 7, 2017, Ms*** filed a re-complaint in her response to our October 6, response letterShe 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*** via phone on October 12, and October 13, All attempts were unsuccessful, and we left voice messages requesting that Ms*** call us back.Page of 2? On October 14, 2016, SafeRent responded to Ms***’ Revdex.com (“Revdex.com”) complaint explaining that we had requested Ms*** to contact us so that we can obtain the information needed to conduct the research into her complaintAs of that date, Ms*** had not responded back to our requests.? On October 19, 2016, Ms*** filed another re-complaint in response to our October 14, response letterShe states that our response letter was unsatisfactory for the same reason as her prior complaint and re-complaintMs*** also provided a copy of an adverse action letter from *** *** Apartments and email from sameUnfortunately, the attachments did not help us to locate the item(s) she was disputing.? In an effort to better assist her and resolve her complaint, we again attempted to reach out to Ms*** via phone and email on October 24, 2016, and we left a voice message requesting that Ms*** call us back.? On October 24, 2016, Ms*** returned our call and discussed the following items with our customer service agent:o We discussed Ms***’ charged off *** *** credit card and lack ofestablished credit history as possible factors for denialo The Registry landlord tenant records that were previously disputed were alsodiscussedo Finally, the results of the dispute regarding satisfaction of judgement wasdiscussedWe found that there was no change because the court verified to us that they had not received a satisfaction of judgmentMs*** stated that she would contact the courts to obtain more information directly from them, and call our agent back if she had any further questions.Ms*** seemed to be satisfied with the results of the October 24, phone call with our customer service agent, and as of the date of this letter Ms*** has not contacted us with any other questionsIf Ms*** has any other questions, she may contact us at the following address and telephone number:CoreLogic SafeRent, LLC P.OBox San Diego, CA Telephone: 1-888-333-

We stand by our original response.If *** *** has any questions, she may contact our Consumer Services Department at 1-800-637-

In his complaint, Mr*** states that he applied for a loan with a company called *** *** that utilized CoreLogic Credco (“Credco”) to obtain his credit reportMr*** alleges that Credco reported his credit score as being “678”; however, when he checked his credit scores with
Equifax and TransUnion, his scores were and 775, respectivelyMr*** desires to have the inquiry made by *** *** deleted from his credit report
Please note that Credco is not a credit grantorRather, it is a consumer reporting agency/reseller of the credit information and credit scores 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 or other qualified end-users), we order the credit information and credit scores from one or more of the three NCRAs
Based upon the information provided in Mr***’s complaint, we were unable to locate the *** *** inquiry in our filesTherefore, in an effort to better assist Mr*** and resolve his complaint, we reached out to him telephonically on July 28, 2016, and left a voicemail message requesting that he contact usTo date, Mr*** has not responded back to our request
If Mr*** has any further questions, he may contact our Consumer Services department at ***

In her complaint, Ms*** is
questioning a Corelogic *** ("***") inquiry that is appearing
on her credit reportPlease note that *** is not a credit grantorRather,
it is a reseller of the credit information provided by the three national
consumer reporting agencies (Equifax,
***, *** ***, 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 NCRAsIn order to obtain a credit
report from ***, our clients certify that they have a permissible purpose
under the Fair Credit Reporting Act to do soWe would be happy to provide the
name, address and telephone number of our client who accessed Ms***’s credit
report through ***However, the information Ms*** set forth in her
complaint does not provide enough identifying information for us to locate her
or our client in our computer systemWe have left several voicemail messages
for Ms*** to contact us and provide us with the requested information. To date, Ms*** has not returned our
calls. Ms*** can call our toll free
telephone number at *** and ask for Ms*** *** who can assist
her

In her re-complaint, Ms*** states she is not satisfied with the response CoreLogic Credco (“Credco”) provided on April 28, regarding her initial complaintIn Ms***’s initial complaint, she indicates that there is an unauthorized inquiry appearing on her reportOur response to the Revdex.com explained that we will process the complaint as a permissible purpose audit and provide the results to Ms*** directly.Please note that CoreLogic Credco (“Credco”) is not a credit grantorRather, 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 NCRAsIn 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 soPursuant 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.Ms*** states, “I never authorized them to market my creditThey are ‘reselling’ (their word not mine) MY credit information.” Again, Credco is not a credit grantor, but rather a reseller of the credit information provided by the NCRAs as defined under FCRA Section 603(u)The FCRA states that a reseller means “a consumer reporting agency that assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for the purposes of furnishing such information to any third party, to the extent of such activities; and does not maintain a database of the assembled or merged information from which new consumer reports are produced.”When we prepare a new credit report for our clients, who are typically lenders or other qualified end-users, we order the credit information from one or more of the three NCRAsOur clients must certify that they have a permissible purpose under the FCRA to obtain a consumer’s credit reportSection 607(e) of the FCRA requires that every time Credco orders credit information from the NCRAs to prepare a report for our client, Credco is required to provide the NCRAs with the identity of the client requesting the reportThis 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 auditAs part of the audit, we contact the end-user to confirm whether they had permissible purpose to order a consumer’s credit reportIf 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.Because Ms*** informed us that she believes the inquiry in question is unauthorized, we initiated a permissible purpose audit on her behalfThis audit is still in progressUpon completion of the audit, we will provide Ms*** with the permissible purpose audit results directly.If Ms*** has any questions, she may contact our Consumer Services Department at 1-800- 637-2422.Sincerely,CoreLogic Credco

In
her complaint, Ms*** 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 consumer reporting agency/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 reportThe
NCRAs maintain a history of inquiries within their files
Please note that pursuant to section of the
FCRA, a consumer reporting agency (like Credco) is required to obtain proper
identification from a consumer before it can provide a consumer with
information contained in his/her credit report
If Ms*** contacts us so that we may confirm her
identity, we would be happy to provide her with the name of our client that
accessed her credit report through Credco.
She may call us at *** and ask for Ms*** ***, Supervisor
of Operations, who can assist her

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, detsols of the offer I reviewed appear below.
Regards,
*** ***
As noted as noted in my original complaint, I never gave anyone permission to pull my creditTherefore it was not permission and there was not a permissible purposeCompanies like credco continue to use the excuse that they relied on someone elseThey broke the lawIt's their responsibility to make sure that the person has given permission and I did notThis needs to be removed immediately or I will file suit

To Whom It May Concern:Thank you for making CoreLogic Rental Property Solutions, LLC (“CLRPS”) aware of this complaintWe 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 applicantCLRPS is also a reseller of the credit information provided by the three national consumer reporting agencies (Equifax, Experian, TransUnion)In order to obtain a consumer report from CLRPS, our clients certify that they have a permissible purpose under the FCRA to do so.On March 29, 2018, we received a call from Mr*** disputing two landlord/tenant recordsCLRPS processed his dispute in accordance with the FCRAOur re-investigation results indicated that the two landlord/tenant records were reporting incorrectly, and we removed them from Mr***’ reportReinvestigation results were sent to Mr*** via email on April 5, 2018.If Mr*** has any additional questions, he may contact our Consumer Services department at 1-888-333-2413.Sincerely,CoreLogic Rental Property Solutions, LLC