Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CORELOGIC INC
State: IL

Complaint narrative:
CFPB COMPLAINT PROBLEM WITH EXISTING INVESTIGATION XXXX Consumer : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, IL XXXX Company : CoreLogic Credco , LLC Case ID : XXXX Summary of the Issue This complaint concerns CoreLogic Credcos continued refusal to provide a complete consumer file disclosure despite my verified identity and multiple prior submissions through the CFPB portal and by U.S. mail . CoreLogic stated that no report can be given because identity authentication was not provided. This is factually false. I previously submitted a government-issued passport card as proof of identity through both channels. CoreLogics failure to acknowledge or process this documentation violates the Fair Credit Reporting Act ( FCRA ) and obstructs my statutory rights as a consumer. 
Facts and Timeline I submitted a valid request to obtain a full file disclosure from CoreLogic Credco under 15 U.S.C. 1681g ( a ). 
My government-issued passport card was uploaded to the CFPB portal and mailed directly to CoreLogics Consumer Services Department . 
CoreLogic responded that I had not provided identification a claim that is untrue and contradicted by my submissions.

CoreLogic further admitted that it may have found prior reports about me, but refused to disclose or provide copies of these reports. 
This constitutes a willful and negligent violation of 1681g ( a ) ( failure to disclose all information in the consumers file ).

Violations of Federal Law 1. FCRA 609 ( 15 U.S.C. 1681g ( a ) ) Failure to Disclose Information CoreLogic must provide all information in the consumers file upon request and after reasonable proof of identity. Proof has been provided; withholding my report violates this section. 

2. FCRA 610 ( 15 U.S.C. 1681h ( a ) ( 1 ) ) Improper Refusal Based on Identification The agency may require only the information necessary to reasonably identify the consumer. My U.S. passport card satisfies this requirement.

3. FCRA 623 ( a ) ( 1 ) ( A ) Accuracy Obligation A consumer reporting agency can not maintain or report inaccurate or unverifiable information. If CoreLogic may have found prior reports, it must disclose and verify them or delete the data.

4. FCRA 616 617 ( 15 U.S.C. 1681n, 1681o ) Civil Liability Willful or negligent noncompliance with the FCRA entitles the consumer to recover statutory damages, actual damages, and punitive damages as determined by a federal court. 
Harm Suffered I have been denied full access to my consumer information, impairing my ability to verify and dispute fraudulent data. 
This obstruction prevents me from mitigating the effects of identity theft, which continues to impact my housing, lending, and employment opportunities. 
The delay and misrepresentation have caused stress, reputational damage, and financial harm. 
Requested Relief I respectfully request that the Consumer Financial Protection Bureau : 1. Reopen and escalate this matter as a Problem with Existing Investigation.

2. Compel CoreLogic Credco to immediately provide : A complete copy of my consumer file disclosure, including all historical and current data held or resold.

The method of verification for all data maintained or distributed under my name. 
The identities of all data furnishers and recipients who have received or accessed my consumer information. 
3. Enforce civil penalties and statutory relief as allowed under 15 U.S.C. 1681n & 1681o, for willful and negligent noncompliance.

4. Order CoreLogic to correct its internal verification procedures and confirm compliance with FCRA 609 ( a ). 
Conclusion CoreLogics response represents an ongoing pattern of delay and obstruction that denies me the fundamental rights granted to all XXXX consumers under the FCRA. I am demanding immediate relief and CFPB intervention to ensure compliance and to prevent further harm. 

Respectfully submitted, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/scrub> 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