Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: TN

Complaint narrative:
I am writing to formally dispute the validity of the information being reported to my credit by corelogic credco, factor trust and Clarity solutions regarding the above-referenced XXXX XXXX XXXX Account XXXX XXXX account. This account, which was originated with XXXX XXXX and is now being handled by XXXX XXXX, contains significant inaccuracies that violate my rights under both the **Fair Credit Reporting Act ( FCRA ) ** and the **Fair Debt Collection Practices Act ( FDCPA ) **. I do not owe debt to either parties nor do i have a contract that states that. 
XXXX XXXX XXXX  Key Points of Dispute XXXX. **Debt Validation : ** I request immediate validation of this debt, including a complete itemized statement, and a copy of any original signed agreement with XXXX XXXX XXXX 
XXXX. **Proof of Assignment : ** I request proof of the legal assignment or transfer of this debt to XXXX XXXX XXXX along with evidence of Clarity Solutions ' authority to collect on this debt.

3. **Accuracy of Reporting : ** Under **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) **, all reported information must be accurate. If XXXX XXXX can not verify the accuracy of the reported debt, it must be deleted from my credit report. 
XXXX. **Licensing and Bonding : ** Please provide proof of XXXX XXXX XXXX current licensing and bonding to collect debts in the state of Tennessee XXXX 
# # # Violations and Consumer Rights I believe that XXXX XXXX has violated the following provisions : - **FDCPA Violations : ** - **Misleading Communications : ** Per **12 CFR 1006.34 ( b ) ( 5 ) **, debt collectors may not communicate in a misleading or deceptive manner.

- **Required Disclosures : ** Under **12 CFR 1006.34 ( c ) ( 4 ) ( i ) **, accurate disclosures must be provided to validate the debt.

- **Ceasing Communication : ** Under **12 CFR 1006.34 ( d ) **, I revoke your right to contact me regarding this debt. Continued communication would be a direct violation of this provision.

- **FCRA Violations : ** - **Maximum Accuracy Requirement : ** Under **15 U.S.C. 1681e ( b ) **, all information furnished to credit reporting agencies must be accurate.

Given these clear discrepancies and violations, I formally request the immediate reinvestigation of this matter. If XXXX XXXX can not validate this debt or provide the requested documentation, I demand the prompt removal of this account from my credit report in compliance with **15 U.S.C. 1681i**.

Please provide a written response to this dispute within **15 days** as required by federal law. I expect that you will confirm the removal of any unverifiable or inaccurate information from my credit report promptly. 
Thank you for your immediate attention to this matter. I look forward to a timely resolution. 
Sincerely, 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