Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear CoreLogic Consumer Relations Team, I am writing to formally express my serious concerns regarding CoreLogics noncompliance with federal consumer protection laws, particularly in relation to my consumer report. Over a XXXX ago, I requested a XXXX on my consumer report, as permitted under federal law. To date, I have not received any acknowledgment of my request, nor has the XXXX been implemented. This delay is not only unacceptable but also constitutes a violation of my rights as a consumer under federal law. 

XXXX. Violation of Rights Under the Fair Credit Reporting Act ( FCRA ) According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to place a XXXX XXXX on their credit report to prevent the release of information without their express authorization. My request for such a XXXX has gone unanswered for over XXXX days, which is a clear violation of Section XXXX ( c ) ( XXXX ) ( A ) ( XXXX ) of the FCRA. This section mandates that a consumer reporting agency must fulfill a XXXX XXXX request within XXXX business day after receiving it through electronic means, or within XXXX business days if requested by mail. 

Given that CoreLogic has failed to implement this XXXX in the legally prescribed timeframe, I demand immediate action to XXXX my consumer report without further delay. 

XXXX. Failure to Provide Verification in Response to a XXXX Dispute Letter In addition, on [ date you sent the XXXX letter ], I submitted a XXXX dispute letter requesting that CoreLogic verify all accounts listed on my consumer report. Specifically, I requested physical documentation containing my signature or otherwise original evidence verifying these accounts as required under Section XXXX ( a ) ( XXXX ) of the FCRA. The FCRA provides that if a consumer disputes the accuracy of information in their file, the consumer reporting agency must conduct a reasonable investigation and verify the information with original documentation. 

To date, CoreLogic has not provided any such verification, nor have I received any communication indicating that the necessary investigation has been conducted. In the absence of the original documentation that I requested, CoreLogic is legally obligated to delete the disputed accounts from my report. 

XXXX. Potential Breach of Duty and Negligence CoreLogics inaction not only represents a breach of its statutory duties but also reflects gross negligence in handling my consumer report. The law mandates that consumer reporting agencies ensure the accuracy and integrity of consumer information. By failing to verify the accounts in question or provide the requested documentation, CoreLogic is potentially liable for damages under Section XXXX and XXXX of the FCRA, which provide for civil liability for willful and negligent noncompliance, respectively. 

XXXX. Request for Immediate Action and Involvement of the Consumer Financial Protection Bureau ( CFPB ) In light of these violations, I am formally requesting the following actions : Immediate implementation of the XXXX  on my consumer report as initially requested over a month ago. 
Deletion of all accounts on my consumer report that CoreLogic can not verify with original, physical documentation containing my signature.

A detailed written response outlining the steps CoreLogic will take to ensure compliance with federal law going forward. 

Failure to address these issues promptly will leave me with no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue all available legal remedies, including but not limited to claims for statutory damages, attorneys fees, and costs. 

I expect your response to this letter within XXXX business days. Please be advised that any further delay in complying with your legal obligations will be viewed as continued disregard for federal law and consumer rights. 


I will be including a ID and a Social Security card for identification purposes, as well as any other documentation that has to do with this situation Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX XXXX