Consumer complaint received 2018-12-20
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CoreLogic Credco is corrupt organization that is violating FRCA and CA Data Privacy Protection laws. On XX/XX/2018 I sent a letter to CoreLogic Credco registered USPS mail requesting my complete consumer data file including all credit reporting and other background and data information that it stores, shares, distributes and sells to others. I attached the personally identifiable information required by law to CoreLogic- Credco . I included a picture of my drivers license, phone bill-utility and my social security number. This is all the documentation is legally required to validate my identity to request my data files. Further, my complaints with Corelogic-Credco involve more than one section of violations of FRCA. It includes selling, sharing, distributing erroneous information to anyone without my authorization, and without validating their customer 's permissible purpose use of this information and authorizations. Moreover, Corelogic is sharing, selling and storing invalid and inaccurate information in their records about my background.

CoreLogic Credco sent a automatic letter stating that I needed to send identifiable information for which I had already attached to my letter instead of sending my data file as requested in violation of FRCA. CoreLogic-Credco is deliberately and purposefully delaying sending my entire consumer data file. I called CoreLogic-Credco on XX/XX/2018 at approximately XXXX XXXX  PST and spoke with a representative and a Supervisor named XXXX who said he resided in the CA call Center with an Representative ID # XXXX. He had a debt collectors attitude. He refused to answer my questions about escalating my call to their legal department. He refused to provide my complete consumer data file to me as requested. He stated he was refusing because he wanted me to supply my written signature which is not required by law. I refused, as this is not required by law. I will not give this corrupt data aggregator of false and fake information any more data that it can exploit to my disadvantage by profiting on my private personal data that it sells to anyone paying for an account with its company. He acknowledged receiving my drivers license picture, and utility bill, as well as the letter that included my social security number. Credco scanned in all this data digitially and will share it without my permission, or authorization to any customer with an account. They do not protect the consumer. They have sold my data and attributed erroneous data to my background and credit history without any authorizations whatsoever! They are an exploiter and violator of my private personal data. In an effort to protect themselves they are creating unnecessary hurdles not required by law for consumers to climb to acquire their full consumer data files. They do this to 1 ) discourage and prevent consumers from attaining their own consumer data files. 2 ) allow themselves time to review the consumer 's file for all their violations to limit their legal exposure 3 ) to obtain additional validation information from the consumer to sell and exploit.

They extort the consumer by forcing and requiring unnecessary information from the consumer on their forms, such as additional signatures not required by law to force the consumer to provide more unnecessary data for CoreLogic to sell to their customers before they will send a copy of the consumer 's data file to the consumer in response to the consumers request. Corelogic tries to use the excuse they're attempting to validate the consumer further with their unnecessary hurdles and roadblocks when all they're doing is forcing the consumer to provide more personal validations for the company to exploit to the consumers utter disadvantage and to CoreLogic 's profit.

They try to walk the line of the 30 day requirement to respond to the consumers requests for their data files by sending false, fake auto letters requesting more unnecessary data not required by law in order to give the impression they are complying with the 30 day response law for the consumer 's request for their file. They're fake and unnecessary request is designed to give Corelogic more datapoints to sell and exploit on the consumer. This additional data they're requesting is NOT required by law. Consumer 's should not be subjected to extortion to acquire their file and to protect their private data as this company is doing with its frivolous and unnecessary requests for more data when the law does not mandate it. Clearly, they do not have any valid intent to protect consumers as they share consumer data without validating the permissible purpose of their own customers, or consumer 's authorization supposedly giving to their customer 's that are requiring data. Corelogic-Credco is violating FRCA and other CA data privacy protection laws. They're a corrupt organization that should be prosecuted for their exploitation of the consumer 's private data for their personal profit. Further, my request to Corelogic Credco for my complete consumer data file is compliant with the law. The law does NOT require a wet signature or a digital signature In order to get my file. I do not want to provide Corelogic or any other data aggregator with my signature to exploit for profit.

Please require Corelogic-Credco to comply with FRCA and send an immediate copy of my full and complete consumer data file instantly and without further delay, as I requested on XX/XX/2018. ( see attached letter ) Requrie Corelogic to do so without any further unnecessary delays or hurdles! Please prosecute this corrupt Billion dollar enterprise for their corrupt conduct and behavior. There are enough complaints in your database about this company 's abuses of consumer data and violations of FRCA for CFPB to act on behalf of the consumers!

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