Consumer complaint received 2023-11-06
Company: CORELOGIC INC
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to submit a complaint about CoreLogic Credco. On XX/XX/XXXX, I had a mortgage prequalification phone call with an agent from my branch of XXXX  XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. When she went to run my credit with the company they use [ CoreLogic Credco, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ], she informed me that she could see a mortgage associated with my information. This is deeply concerning as I do not have a mortgage.

After the phone call, I logged online and requested my credit reports through annualcreditreport.com. All XXXX  credit reports were correct for me. I only have XXXX credit card with XXXX XXXX XXXXXXXX opened in XXXX. I have no mortgage or loans. Only my name, birthday, and social security number is listed on the reports. 

After those credit reports came back correct, I wrote to CoreLogic Credco to request my credit report through them. The credit report I requested from them is filled with information for another person, XXXX XXXX or XXXX XXXX. The only credit item that is correct for me is the XXXX XXXXXXXX XXXX Credit Card ( XXXX XXXX under Credit History on the attached documents ; page XXXX ). 

On pages XXXX of the report ( see attached documents ) they have listed XXXX XXXX and XXXX XXXX under Identification Information and AKA Information. XXXX XXXX ( XXXX XXXX is her maiden name ) is my XXXX. We did live at the same addresses for a number of years but it is clear by the different social security numbers and birthdates that we are not the same person. 

We requested XXXX credit reports from XXXX. Looking through those reports, all the information is correct and only her name, birthdate, and social security number is listed on them. 

I have done my due diligence to get the situation resolved by going directly to the sources ( XXXX, XXXX, & XXXX ). XXXX, XXXX, & XXXX are reporting correct information for me, XXXX XXXX XXXX, and my mother, XXXX XXXX XXXX XXXX The only party that is reporting incorrect information is CoreLogic CredCo. 

I am requesting assistance to help get XXXX XXXX XXXX name , birthday, and Social Security Number removed from my ( XXXX XXXX XXXX XXXX CoreLogic Credco credit report. 

I am attaching the credit report from CoreLogic CredCo. This is the report that is reporting incorrect information. It is the only place that is reporting this information. Mortgage and other lenders use this credit report to qualify people for loans. I am unable to move forward with qualifying for a mortgage because this report falsely claims that I have a mortgage and various other credit card debts. 

I am also submitting a copy of my drivers license and social security card as well as a copy of my mothers, XXXX XXXX XXXX XXXX XXXX, drivers license and social security card. 

I am happy to submit any additional information required to help with this complaint including the credit reports from XXXX, XXXX, or XXXX for XXXX XXXX XXXX or XXXX ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation