Wilderness Village Campground Association

Re: Complaint ID: [redacted] – [redacted]In her re-complaint, Mr. [redacted] indicates he is not satisfied with the response CoreLogic Credco (“Credco”) provided on March 28, 2018 regarding his initial complaint. In Mr. [redacted]’s initial complaint, he indicates there are unauthorized inquiries occurring in or around February 7, 2018 related to a car loan appearing on his credit report, and he would like for the inquiries to be removed from his credit report. Our response to the Revdex.com explained that we will process the complaint as a permissible purpose audit and provide the results to Mr. [redacted] directly.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.When Credco prepares 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 NCRAs. Our clients must certify that they have a permissible purpose under the FCRA to obtain a consumer’s credit report. Section 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 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 isPage 1 of 2unable 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 Mr. [redacted] informed us that he believes the inquiry in question is unauthorized, we initiated a permissible purpose audit on his behalf. This audit is still in progress. Upon completion of the audit, we will provide Mr. [redacted] with the permissible purpose audit results directly.If Mr. [redacted] has any questions, he 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.
I am asking that Credco provide their finding through the Revdex.com and not via mail.
Regards,
[redacted]

In his complaint, Mr. [redacted] states that he had requested a Rapid Recheck through CoreLogic Credco (“Credco”) on July 11, 2016, but it was never completed. He would like the $150 charge credited back to his account.Our records indicate the following:• Mr. [redacted] ordered a No Doc Rapid Recheck,...

which is where there is no supporting documentation and the credit bureaus are instructed to call the creditor(s) directly for the update. As such, Credco is unable to guarantee that a request will be successful through No Doc Rapid Rechecks.• In this case, the creditor, who was Capital One, declined to verify any information to the credit bureaus over the telephone.• The credit bureaus sent Capital One an electronic request called an E-Oscar, and placed the account under an investigation until the update was resolved. When this happens, credit bureaus do not keep Credco updated on the status. Once the issue is resolved, the bureaus send the consumer a copy of the results.• On or around September 8, 2016, Credco submitted a request to credit Mr. [redacted]’s account in the amount of $100 and emailed Mr. [redacted] to notify him of same. As TransUnion had completed the initial update, the $50 charge for TransUnion remained. Because Equifax and Experian could not complete the update, a credit request was submitted for $100 ($50 for Equifax and $50 for Experian).• On or around September 13, 2016, Credco placed a courtesy call to the credit bureaus and confirmed that the update is now complete.• On or around September 21, 2016, the credit request was completed and $100 was credited to Mr. [redacted]’s account. Credco also called Mr. [redacted] and left him a message advising him of same. Please note again that Credco is unable to guarantee No Doc Rapid Recheck requests are successful because there is no supporting documentation and the credit bureaus are instructed to call the creditor(s) directly for the update. In this case, because Capital One declined to verify any information over the telephone, the Rapid Recheck was unsuccessful. As a courtesy, Credco credited $100 back to Mr. [redacted]’s account. Mr. [redacted] has not responded to our email or phone call notifying him of the credit.If Mr. [redacted] has any further questions, he may contact our Consumer Services department at 1-800-637-2422.Sincerely,CoreLogic Credco

In
her complaint, [redacted] states that there is incorrect information being
reported in her CoreLogic [redacted] ("[redacted]") consumer report, and she
requests that such inaccurate information be corrected.
 
Please note that Corelogic
[redacted], LLC (“[redacted]”) is a consumer...

reporting agency as defined in the
Fair Credit Reporting Act (“FCRA”). 
[redacted] maintains public landlord/tenant and criminal court records,
which it provides to its clients who are typically landlords and property
management companies for the purpose of determining housing eligibility of
prospective tenants. 
 
Our records indicate that on or
around August 18, 2015, [redacted] submitted a dispute to our office regarding
the reporting of certain public record information (the “Information”) that was
appearing in her [redacted] consumer report.  
In accordance with our obligations under section 611 of the FCRA, we
reinvestigated the matter and based upon our research, we confirmed the current
status of the Information in the file we maintain on [redacted]. 
 
On or around August 26, 2015, we
mailed [redacted] the results of our reinvestigation. 
 
Should you or the consumer have any
additional questions or concerns, please feel free to contact us at
1-888-333-2413.

August 10, 2017Revdex.com 4747 Viewridge Ave. #200 San Diego, CA 92123Re: Case # [redacted] – [redacted]In his re-complaint, Mr. [redacted] states he is not satisfied with the response CoreLogic Credco (“Credco”) provided on July 28, 2017 regarding his initial complaint. In Mr. [redacted]’s initial complaint, he indicates that there is an unauthorized hard inquiry appearing on his credit report, and he would like for the inquiry to be removed from his credit report. He indicates that the purchase date was June 29, 2017 and that the problem occurred on July 14, 2017. It is unclear if either of those dates correlated to the date of the alleged unauthorized inquiry. Our response to the Revdex.com explained that we were unable to locate an inquiry in our system under the name of [redacted]. We attempted to call Mr. [redacted] on July 24, 2017 and left a message for him requesting that he call us back so we could obtain more information to conduct additional research. On July 26, 2017, we followed up with Mr. [redacted] sending him an email and letter via postal mail requesting that he contact us. Mr. [redacted] did not respond to our requests.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.Upon receipt of this re-complaint indicating that Mr. [redacted] was not satisfied with our response, we attempted to search our systems for an inquiry using Mr. [redacted]’s last name and address in an effort to further assist him. We were able to locate an inquiry dated June 29, 2017 for “[redacted]” and matching Mr. [redacted]’s address provided in the Revdex.com complaint. As such, Credco will process a permissible purpose audit for the inquiry located in accordance withPage 1 of 2the requirements set forth in the Fair Credit Reporting Act, and provide the permissible purpose audit results directly to Mr. [redacted] upon completion.If Mr. [redacted] has any questions, he 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.
On the agreement I signed with Grapevine, there is nowhere where I explicitly authorized them to perform a Hard Credit inquiry. A soft inquiry was sufficient for them to review my application, and still they went ahead and performed a Hard inquiry without my explicit consent. Can 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]

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'm not jumping through any hoops for this company.  It took NO effort for [redacted] to add this inquiry to my credit report.  I wasn't asked for my identification when you pulled my credit report.  This is absolutely ridiculous!  I've attached my identity theft affidavit and my police report.  I'm not sending anything else.  Maybe [redacted] needs to re-think who they do business with.  I want this inquiry removed immediately.  I am filing complaints with the CFPB, the FTC, and the Attorney General's office. 
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 am not satisfied that this company is requesting additional time to resolve this issue.  When the dispute was filed I was told that it takes 30 days and the dispute will be completed on June 29th.  Requesting additional time to resolve this is unacceptable.  Moving from one state to another is not easy and takes a great deal of coordination.  If a company such as CoreLogic can not perform a back ground check they should not be in that business.Providing false information on an individual can cause a great deal of harm to that individual personally and financially.  As, motioned in my previous complaint,  I was told by the CoreLogic representative that CoreLogic does not use social security number to conduct a background check.  This is unheard of and has cause me personally a great deal of embarrassment and have place me in a difficult situation to wait until CoreLogic has completed  its dispute process.  I contacted the agency the requested the background check and was told that they requested a credit check and a background check.  To conduct a credit check a social security number is needed.  After conducting the back ground check and realized that there were more than one of the same name CoreLogic should have resorted to using the social security number. CoreLogic knowingly made a major mistake and should have corrected it immediately.  I am not satisfied with the CoreLogic's response to date and the request for additional time.  I still need to know how this issue is going to be resolved.  If this happened to me, I would assume that it has happened to many others. This affects people lives. 
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 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]

In
his complaint, Mr. [redacted] states that he did not receive a sufficient
explanation from CoreLogic [redacted] (“[redacted]”) regarding his credit score. Mr.
[redacted] desires to know the specific details regarding the factors that impacted
his score.
Please note that [redacted] is a reseller of...

the credit information
and credit scores 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, or
other qualified end-users), we order the credit information and credit scores
from one or more of the three NCRAs. 
Also, as a reseller, [redacted] does not manipulate any credit score that it
receives from the NCRAs.
Our
records indicate that on or around November 3, 2015, a [redacted] customer service
representative (the “CSR”) contacted Mr. [redacted] by telephone to discuss
[redacted]’s understanding of the factors the NCRAs consider in developing their credit
scores.  [redacted]’s CSR also provided Mr.
[redacted] with examples of information in his credit report that may have
adversely impacted his credit score.  We
believe Mr. [redacted] was satisfied with our explanation.  For additional information regarding the
NCRA’s various credit scoring models, we recommend that Mr. [redacted] contact
each NCRA at the following address:
EQUIFAX                             EXPERIAN                           TRANSUNION
P.O.
Box 740241                    P.O. Box
2002                        P.O. Box 1000
Atlanta,
GA 30374                 Allen, TX 75013                     Chester, PA  19022
1-800-685-1111                      1-888-397-3742                      1-866-887-2673
www.equifax.com                  www.experian.com                 www.transunion.com
           
If
Mr. [redacted] has any further questions, he may contact our customer service
department at 1-800-637-2422.

In her complaint, Ms. [redacted] states that she has been a victim of identity theft and would like the unauthorized C[redacted] inquiry dated October 21, 2016 to be removed from her credit report.Please note that [redacted] (“[redacted]”) is not a creditor. 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, 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 [redacted], 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 [redacted] orders credit information from the NCRAs to prepare a report, [redacted] 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 April 18, 2017, Ms. [redacted] contacted us to indicating that she did not authorize the inquiry in question in this Revdex.com complaint. We processed the request as a permissible purpose audit, and sent Ms. [redacted] the results of the permissible purpose audit on April 19. 2017. To recap, the results of the permissible purpose audit showed that on or around October 21, 2016, our client, [redacted] Loans Inc., ordered Ms. [redacted]’s credit report through [redacted] that contained credit information obtained from each of the NCRAs. We contacted [redacted] Loans Inc. to confirm that it had a permissible purpose to access Ms. [redacted]’s credit report. [redacted] Loans Inc. informed us that it accessed Ms. [redacted]’s credit report pursuant to her online authorization in connection with a mortgage transaction.Upon receipt of this Revdex.com complaint, the complaint indicated that Ms. [redacted] had been a victim of identity theft. Therefore, in an effort to better assist her and resolve her complaint, on April20, 2017 and April 21, 2017, we attempted to call Ms. [redacted] to inform her of the information we would need to process an identity theft blocking request. We left messages for her requesting that she call us back. On April 21, 2017, we also sent an email to Ms. [redacted] requesting that she contact us so that we can further assist with her matter.On April 22, 2017, Ms. [redacted] responded to our request via email, providing her identity theft affidavit as an email attachment. However, in order to process an identity theft blocking request under the Fair Credit Reporting Act (FCRA) Section 605B(a), we still need appropriate proof of Ms. [redacted]’s identity. As such, on April 25, 2017 we sent Ms. [redacted] a letter requesting that she contact us as we need more information to process her request. We also attempted to contact her via phone and email on April 28, 2017 requesting that she contact us.We request that Ms. [redacted] call our Consumer Services department at 1-800-637-2422 so that we can explain the information that we need to fulfill her request. She can also write to us at: [redacted], Attn: Consumer Services Department, P.O. Box 509124, San Diego, CA 92150.Sincerely,[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 a consumer, legally, it is not my responsibility to provide any  extra information regarding a dispute. It is the responsibility of the furnished to fully investigate the dispute. If my claim is false, the furnished should be able to provide visible proof of the inquiry. The fact that the inquiry cannot be validated proves I did NOT give permission for the company to pull my report. They must remove the inquiry if they cannot provide proof. It is the LAW. 
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.

In her re-complaint, Ms. [redacted] states that the response from CoreLogic SafeRent, LLC (“SafeRent”) dated October 6, 2016 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 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.To recap:? 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.? On October 6, 2016, SafeRent responded to Ms. [redacted]’ Revdex.com (“Revdex.com”) complaint explaining that we had requested Ms. [redacted] to contact us so that we can obtain the information needed to conduct the research into her complaint. As of that date, Ms. [redacted] had not responded back to our request.? On October 7, 2017, Ms. [redacted] filed a re-complaint in her response to our October 6, 2016 response letter. She 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. [redacted] via phone on October 12, 2016 and October 13, 2016. All attempts were unsuccessful, and we left voice messages requesting that Ms. [redacted] call us back.Page 1 of 2To reiterate, we are unable to conduct our investigation into Ms. [redacted]’ complaint without more information from her. We have sent Ms. [redacted] a letter requesting her to contact us as well as attempted two phone calls leaving messages requesting her to call us back. To date, Ms. [redacted] has not responded back to our requests. 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, LLC P.O. Box 509124 San Diego, CA 92150 Telephone: 1-888-333-2413

In her complaint, Ms. [redacted] states that she did not authorize a credit inquiry on March 4, 2016 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 creditor. Rather, it is a reseller of...

the credit information provided by the three national consumer reporting agencies ([redacted], 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 the following:On or around March 4, 2016, our client, [redacted], ordered Ms. [redacted]’ credit report through Credco that contained credit information obtained from each of the NCRAs. We contacted [redacted] to confirm that it had a permissible purpose to access her credit report. [redacted] informed us that it accessed Ms. [redacted]’ credit report pursuant to her verbal authorization in connection with a mortgage transaction. [redacted] informed us that when the loan application was initially taken for [redacted], Ms. [redacted]’ spouse, it was a joint application with Ms. [redacted]. After [redacted] was given verbal authorization to pull a joint report, the borrowers determined that they only wanted Mr. [redacted] on the application and proceeded as such.Page 1 of 2If Ms. [redacted] believes that [redacted] did not have a permissible purpose to order her credit report, or if she has any questions regarding its inquiry, she should contact [redacted] directly at:[redacted] - [redacted]If Ms. [redacted] 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 600 Pennsylvania Ave., NW Washington, D.C. 20580 1-877-438-4338 www.identitytheft.govIf Ms. [redacted] 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 her. A 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 consent. Information regarding how to place a security freeze on her credit files can be found at the following NCRA websites:[redacted]: https://www.[redacted].com/freeze/center.html [redacted]: http://www.[redacted].com/help/credit-freeze/en_cp [redacted]: http://www.[redacted].com/personal-credit/credit-disputes/credit-f[redacted]Ms. [redacted] may also wish to add a statement to her files maintained by the NCRAs disputing the accuracy or completeness of the [redacted] inquiry, as such inquiry would be reflected, and is maintained, in the files the NCRAs maintain on her. Their addresses, phone numbers and websites are as follows:[redacted] 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.[redacted].com www.[redacted].com www.[redacted].comIf Ms. [redacted] has any further questions, she may contact our Consumer Services department at 1- 800-637-2422.Sincerely,CoreLogic Credco

In his complaint, Mr. [redacted] states that he did not authorize [redacted] and [redacted] to access his credit report on April 21, 2016 and April 22, 2016. He also states his dissatisfaction with being told it could take up to 60 days for CoreLogic [redacted] to conduct its investigation into the...

inquiries he indicated was unauthorized, and that he was not provided with a fax number or mailing address.Please note that CoreLogic [redacted] (“[redacted]”) 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 [redacted], 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 [redacted] orders credit information from the NCRAs to prepare a report, [redacted] 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. [redacted] was able to locate and review the recorded phone call that occurred on or around September 23, 2016 between Mr. [redacted] and the [redacted] customer service agent. The following is a recap of the phone call:Mr. [redacted] inquired about two inquiries on his credit report and asked what he had to do to remove them. After authenticating Mr. [redacted], the agent reviewed the inquiries with Mr. [redacted] and asked if he had ever done business with [redacted] and [redacted]. Mr. [redacted] responded that he had not, and the agent advised that [redacted] would initiate a permissible purpose audit on his behalf to validate that the end users had permissible purpose to pull his credit report. He was also advised that per our policy, the process can take up to 60 days. Mr. [redacted] asked if he could fax any sort of documentation to [redacted] to expedite the process to be faster than 60 days. The agent advised that additional documentation from the consumer was not necessary for the purposes of validation of permissible purpose. Mr. [redacted] then stated that he would contact [redacted] and [redacted] himself to try to expedite the process since [redacted] is a third party, and disconnected the call.Following the phone call with Mr. [redacted] initiated the permissible purpose audit in accordance with [redacted]’s policy. Please note that the permissible purpose audit concluded on October 13, 2016. Although our policy states that it may take up to 60 days to complete the audit, in this situation we were able to complete the audit in 20 days. Further, the reason why Mr. [redacted] was not provided with [redacted]’s fax number or mailing address was because it was not necessary for Mr. [redacted] to provide additional documentation in order for us to conduct the permissible purpose audit.Our records and the result of the permissible purpose audit indicate the following:On or around April 21, 2016, our client, [redacted], ordered Mr. [redacted]’s credit report through [redacted] that contained credit information obtained from each of the NCRAs. We contacted [redacted] to confirm that it had a permissible purpose to access his credit report. [redacted] informed us that it accessed Mr. [redacted]’s credit report pursuant to his verbal authorization in connection with a mortgage transaction. On or around April 22, 2016, our client, [redacted], ordered Mr. [redacted]’s credit report through [redacted] that contained credit information obtained from each of the NCRAs. We contacted [redacted] to confirm that it had a permissible purpose to access his credit report. [redacted] informed us that it accessed Mr. [redacted]’s credit report pursuant to his verbal authorization in connection with a mortgage transaction. If Mr. [redacted] believes that [redacted] and [redacted] did not have a permissible purpose to order his credit report, or if he has any questions regarding its inquiry, he should contact them directly at:[redacted]If Mr. [redacted] believes that he has been the victim of identity theft, he should contact the Federal Trade Commission at:FEDERAL TRADE COMMISSIONConsumer Response CenterRoom 130-B600 Pennsylvania Ave., NWWashington, D.C. 205801-877-438-4338 www.identitytheft.gov If Mr. [redacted] is still concerned about who can access his credit report, then he may want to contact the NCRAs directly to request that a security freeze be placed on his credit files the NCRAs maintain on him. A security freeze is designed to prevent the information in his credit files from being reported to others (such as credit grantors and other companies) without his consent. Information regarding how to place a security freeze on his credit files can be found at the following NCRA websites:Experian: https://www.experian.com/freeze/center.htmlEquifax: http://www.equifax.com/help/credit-freeze/en_cpTransUnion: http://www.transunion.com/personal-credit/credit-disputes/credit-freezes.pageMr. [redacted] may also wish to add a statement to his files maintained by the NCRAs disputing the accuracy or completeness of the [redacted] and [redacted] inquiries, as such inquiries would be reflected, and is maintained, in the files the NCRAs maintain on him. Their addresses, phone numbers and websites are as follows:Experian                        Equifax                                 Trans Union P.O. Box 2002                     P.O. Box 740241                     P.O. Box 2000Allen, TX 75013                 Atlanta, GA 30374                  Chester, PA 19022Attn: NCAC                        Attn: Disputes                         Attn: Disputes1-888-397-3742                   1-800-685-1111                      1-800-916-8800www.experian.com www.equifax.com www.transunion.com If Mr. [redacted] has any further questions, he may contact our Consumer Services department at 1-800-637-2422.Sincerely,CoreLogic [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.  CoreCredit is the party that improperly pulled my credit and they are the only party that can remove it.Regards,
[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].

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

Our response to the consumer is being mailed today.  We apologize for the delay.