[akira2501]

4. Go to your state legislature and try to get a bill passed.

What surprises me is that CoreLogic is not bound by the same terms that any other credit reporting bureau is. There is no way any business is going to just write you a letter stating that you currently owe no money, not without talking to a lawyer first, I'd hope.

If they want to impugn your credit with with this type of reporting, then it's their responsibility to ensure its accuracy.

[ben1040]

CoreLogic claims they FCRA doesn't apply to them, because they apparently are a "wholesale" data warehouse that sells data to companies that do background checks, but a federal judge disagreed:

http://www.reuters.com/article/employment-corelogic-idUSL2N1...

[downandout]

There is another major database called Early Warning [1] that also claims to be exempt from certain parts of the FCRA. I was an identity theft victim. After blocking credit checks at all 3 major bureaus and ChexSystems, I contacted these guys and asked them to block any reports they have on me. They essentially said that they don't have to, and won't, despite legislation allowing consumers to request freezing of credit files. I eventually got a nasty voicemail basically inviting me to sue them if I didn't like it.

These specialty databases need serious regulation...it's clear that credit bureaus and those that use them are tired of working within the confines of the FCRA and are going out of their way to create databases that are exempt.

[1] http://earlywarning.com/

[rhizome]

Without any kind of accreditation I wonder if there's a slander angle here.

[nerdponx]

What I'm hung up on is how this isn't considered outright fraud.