Consumer complaint received 2022-01-10
Company: CORELOGIC INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : Qualified Written Request to Corelogic re their tax payments in 2022 for XXXX XXXX XXXX XXXX Michigan Dear CoreLogic , Inc Tax Services Team, and XXXX XXXX XXXX XXXX  as Trustee I received a letter from Corelogic Tax Services team ( at large ) describing the scoop of their business where Corelogic said that it provides property tax information and payment processing services on behalf of certain mortgage servicers [. ] but do not manage loan escrow accounts. CoreLogic further mentioned that it is not a mortgage servicer or debt collector.

I didnt ask CoreLogic for overview of their business model in general. I demanded disclosures regarding to my particular situation who hired CoreLogic to pay my property taxes from my escrow money and who is my creditor who hired, authorized and paid CoreLogic for servicing activities. I dont know who manages my escrow account, but CoreLogic obviously must know it since this company hired Corelogic and provided them funds to pay taxes. This payment must be made by a particular Corelogic employee, not their team at large.

I can not contact my servicer directly since I do not know who is the Servicer. My billing statements are prepared by two different Servicers one print them, another mail them. My checks are collected by three Servicers : XXXX, XXXX and XXXX. My money are processed by unknown to me company whose employees receive secured instructions via secured website operated by unknown to me parties to deposit them to XXXX XXXX XXXX in California for unknown by me beneficiaries. Notices are coming from two Servicers : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX who rent XXXX XXXX XXXX XXXX name. Correspondence is coming from an array of Servicers from across the Country. My escrow review is conducted by unknown to me Servicer. My property Tax statements for IRS are prepared by another Servicer. Employees with whom I speak on the phone work for various call centers or companies which I dont know.

CoreLogics statement that they are not Servicers is not true. Under RESPA Servicing means receiving any scheduled periodic payments from a borrower including amounts for escrow accounts under section 10 of RESPA ( 12 U.S.C. 2609 ), and making the payments to the owner of the loan or other third parties of principal and interest and such other payments. In other words, Corelogic confirmed to perform services related to my alleged obligation such as providing tax information and processing payments on behalf of my Creditor or its authorized agent to local Tax Assessors office. Thus, Corelogic is a Servicer.

I specifically demanded Corelogic to disclose who is the Creditor and their authorized Agent who hired CoreLogic to provide them tax information for my property [ please itemize which information was provided ] and process tax payments from my escrow account. Corelogic did not disclose requested information, which is a violation of RESPA..

I repeat my question in this QWR and once again demand CoreLogic to identify the Company and its individual agent [ state name, phone number and email for this agent ) who hired and authorized CoreLogic to process payments for my property taxes.

Please disclose if CoreLogic is authorized to process 2022 tax payments for my Property, first and second installments? If yes, please disclose which company made this authorization and name, phone number and email for their responsible agent.

Please identify which documents were provided to CoreLogic to determine authority and that was the source of funds to make these payments on my behalf. Were these money disbursed to CoreLogic from my escrow account? Who is the owner of the account receivable where my escrow money were disbursed to Corelogic to make payments in my behaff? 

Please provide me name, email and phone number for Corelogic employee [ XXXX ] who made payments for my taxes on my behalf to XXXX XXXX XXXX XXXX XXXX. 

Please provide me name, email and phone number for CoreLogic employee who prepared this respond to my QWR. 


Regards 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