Wilderness Village Campground Association

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

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.
[Corelogic is paid for their data and provided the data provided was very stale and adversely affected my ability to obtain a mortgage. Please see attached items that were deleted from my credit report over 6 months ago, but remain in the reports provided by Corelogic/Credco. This third party is acting as a fourth credit reporting agency, and consumers are not giving advance notice. If I had known, I would have confirmed the Corelogic/Credco data was accurate before applying for credit. Now I will need to reapply for credit and gain additional inquiries after Credco updates my file. If Credco is charging for this data it should be current. ]
Regards,
[redacted]

Re: Complaint ID: [redacted] – [redacted] I [redacted]In his complaint, Mr. [redacted] indicates there is an unauthorized inquiry dated June 21, 2016 appearing on his credit report, and he would like for the inquiry to be removed from his credit report. He also indicates he had previously “talked to company” on...

March 1, 2017, January 9, 2018, and October 11, 2017.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] 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.Credco was able to locate the inquiry dated June 21, 2016 in our systems. As such, Credco initiated a permissible purpose audit in accordance with the requirements set forth in the Fair Credit Reporting Act. The results of the permissible purpose audit will be provided to Mr. [redacted] directly upon completion.Additionally, based on the information provided in the complaint, Credco was unable to locate prior communications with Mr. [redacted] in our systems. If Mr. [redacted] has any questions, he may contact our Consumer Services Department at 1-800-637-2422.

In her re-complaint, Ms. [redacted] appears to disagree with [redacted]’s response to this Revdex.com complaint submitted on September 15, 2017. She appears to allege that [redacted] still is unable to locate the inquiry date in question.Please note that CoreLogic [redacted] (“[redacted]”) 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 [redacted], 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 [redacted] orders credit information from the NCRAs to prepare a report, [redacted] is required to provide to the NCRAs the identity of its client requesting the report.Our records indicate the following:• On or around March 6, 2017, we received a letter from Ms. [redacted] indicating that there is an unauthorized inquiry appearing on her credit report, and she would like for the inquiry to be removed.• We needed more information from Ms. [redacted] to conduct the required research to validate the inquiry in question, as her letter did not provide the date of the inquiry. Therefore, on March 7, 2017, we sent Ms. [redacted] a letter requesting that she call us back to provide additional information. Ms. [redacted] did not respond to our request. Further, we were unable to locate any other communications with Ms. [redacted] in our systems.• As indicated in [redacted]’s September 15, 2017 response to this Revdex.com complaint, Ms. [redacted] appeared to provide an inquiry date of June 27, 2016 in the “Purchase Date” field. We conducted a search for inquiries occurring on June 27, 2017, and we were able to locate an inquiry of that date based on the information provided in the Revdex.com complaint. As such,Page 1 of 2[redacted] initiated a permissible purpose audit in accordance with the requirements set forth in the Fair Credit Reporting Act.• On September 12, 2017, we sent Ms. [redacted] the results of the permissible purpose audit, which detailed our findings and determined that our end user had permissible purpose to receive Ms. [redacted]’ credit report. We have provided Ms. [redacted] with information on the end user and provided her with contact information should she have additional questions regarding the inquiryIf Ms. [redacted] has any questions, she may contact our Consumer Services Department at 1-800- 637-2422.

In his re-complaint, Mr. [redacted] indicates that CoreLogic [redacted]’s (“[redacted]”) response dated March 22, 2017 does not resolve his complaint. He requests that [redacted] provide the results of the permissible purpose audit to both Mr. [redacted] and the Revdex.com. He further states that he has contacted “this company” in writing and telephone, and he has not received a response.Please note that CoreLogic [redacted] (“[redacted]”) 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, automobile dealerships 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 [redacted], 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 [redacted] orders credit information from the NCRAs to prepare a report, [redacted] is required to provide to the NCRAs the identity of its client requesting the report.As indicated in our prior response to Mr. [redacted]’ Revdex.com complaint dated March 22, 2017, the only record we have of communication with Mr. [redacted] was when he called us on March 16, 2017, which resulted in us immediately initiating permissible purpose audits in response to his complaint. We are unable to locate any other communications with or from Mr. [redacted] in our records.Our policies and procedures require that we provide the permissible purpose audit results directly to Mr. [redacted]. Pursuant to Mr. [redacted]’ request in the March 23, 2017 communicationPage 1 of 2through the Revdex.com, we will also provide the permissible purpose audit results to the Revdex.com once the audit has been completed.If Mr. [redacted] has any questions, he may contact our Consumer Services department at 1-800- 637-2422.Sincerely,CoreLogic [redacted]

In
his complaint, Mr. [redacted] 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 Mr. [redacted].

In his complaint, Mr. [redacted] 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 [redacted] 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 1-800-[redacted].

June 26, 2017Revdex.com 4747 Viewridge Ave. #200 San Diego, CA 92123Re: Case # [redacted] – [redacted]In her complaint, Ms. [redacted] states there are seven 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 ([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 that prior our receipt of this Revdex.com complaint, we received a CFPB complaint on June 13, 2017 filed by Ms. [redacted] regarding the same matter. Upon receipt of the CFPB complaint, we searched our systems for the inquiries in question. Based on the information provided in the complaint, we were only able to locate five inquiries in our system dated May 13, 2017, May 23, 2017, June 10, 2017 and June 13, 2017. Credco initiated permissible purpose audits on Ms. [redacted]’s behalf in accordance with the requirements set forth in the Fair Credit Reporting Act. As part of the permissible purpose 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(ies). As the permissible purpose audits are still in progress, we will provide the results to Ms. [redacted] directly upon completion.With respect to the two inquiries that we were unable to locate in our systems, in an effort to assist Ms. [redacted] and resolve her matter, on June 15, 2017 we reached out to her via email and postal mail requesting that she call us for more information. To date, Ms. [redacted] has not responded to our requests.If Ms. [redacted] has any questions, she may contact our Consumer Services Department at 1-800- 637-2422.Sincerely,CoreLogic Credco