Wilderness Village Campground Association

We believe that the response that we sent directly to Mr*** will address his concerns. If Mr*** has any additional questions or further concerns, we ask that he contact our Consumer Services department directly at ***

In his complaint, Mr*** 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 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***’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 ***

THIS PLACE IS A JOKE! STILL WONT REMOVE THE INQUIRY THEY PLACED AND TRYING TO SAY THEY CANT LOCATE A DATE? WOW

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 below
Once the audit is complete please forward the results to the Revdex.com and myselfI have contacted this company in writing and telephone and they have failed to respond and make this problem correctWhat they have done is receive the mail and not answer meWhat they have also done is taken calls from me and nothing was doneI just want the problem fixed
Regards,
*** ***

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 below
I will put in a complaint and send an affidavit of service to get this removed
Regards,
*** ***

In
his complaint, Mr*** is questioning a CoreLogic *** ("***") inquiry that is appearing on his credit report.
Please
note that *** 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 him a more thorough
response, directly, that addresses his concerns
If you have any further questions, please contact our customer service
department at ***

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 below.I didn't receive any explanation so far and I haven't authorized anyone to pull my credit
Regards,
*** ***

In his complaint, Mr*** states there is an unauthorized inquiry appearing on his credit report, and he would like for the inquiry to be removed.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.We were unable to locate an inquiry in our systems for Mr*** based on the information provided in the complaintTherefore, in an effort to better assist him and resolve his complaint, on July 24, we attempted to call Mr*** and left a message for him requesting that he call us back so we can obtain more information to try to locate the inquiry in questionOn July 26, 2017, we sent Mr*** an email and letter via postal mail requesting that he contact us so that we can further assist with his matterTo date, Mr*** has not responded to our request.If Mr*** 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-He can also write to us at: CoreLogic Credco, Attn: Consumer Services Department, P.OBox 509124, San Diego, CA

Please see attached response

The cookie-cutter reaponse does not answer how they added A WOMAN WITH NO RELATION TO ME onto my account! How is it fair to put blatantly information on my report, costing me $in the process? Your lack of quality control, and apparent lack of concern for details like that is appalling

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 below
Their representative didn't say they are for dealers not consumers it's how they talked I'm not an it I know how to interpret what people sayAnyway I don't accept this response as if they wanted to resolve this matter all they have to do is have dealer provide proof by signed permission they had a permissible purpose and when they didn't just remove the inquiry per fair credit reporting actInstead they are just dragging this out hoping it times out the dealer can't provide proof because I didn't give permissionI actually have a complaint against this dealer with ftc right nowAgain I don't accept the companies response all it is a generic statement in sure they've gave multiple times as I'm sure they've done this many times
Regards,
*** ***

In her complaint, Ms*** states there are unauthorized inquiries appearing on her credit report, and she would like for the inquiries to be removed.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.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***.If Ms*** has any questions, she may contact our Consumer Services Department at 1-800- 637-2422.Sincerely,CoreLogic Credco

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.

Re: Case # [redacted] – J[redacted]In her re-complaint, Ms[redacted] states she is not satisfied with the response CoreLogic Credco (“Credco”) provided on July 21, 2017 regarding her initial complaint. In Ms. [redacted]’ initial complaint, she indicates that 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. Our response to the Revdex.com explaind that we were able to locate four reporting inquiries in our system dated August 23, 2016, September 19, 2016 and September 24, 2016. We explained that we would process the complaint as a permissible purpose audit and provide the results to Ms[redacted] directly upon completion.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 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. This 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 audit. As part of the 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.Page 1 of 2Because Ms[redacted] informed us that she believes the inquiry in question is unauthorized, we initiated a permissible purpose audit on her behalf. This audit is still in progress. Upon completion of the audit, we will provide Ms[redacted] with the permissible purpose audit results directly.If Ms[redacted] has any questions, she may contact our Consumer Services Department at 1-800- 637-2422.Sincerely,CoreLogic Credco

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.

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].

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]

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.As noted in our previous letter relating to Mr. [redacted]’ matter, 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). In order to obtain a consumer report from CLRPS, our clients certify that they have a permissible purpose under the FCRA to do so.As discussed in our April 12, 2018 letter, we received Mr. [redacted]’s dispute, addressed it in accordance with the FCRA and removed two records that were reporting incorrectly on his consumer report.If Mr. [redacted] has additional questions, he may contact our Consumer Services department at 1-888-333-2413.Sincerely,CoreLogic Rental Property Solutions, LLC