VendorScape: You Might Not Know It But It Knows You

CoreLogic’s Admission to the CFPB

In response to a Consumer Financial Protection Bureau (CFPB) complaint, CoreLogic made startling admissions about its role in U.S. foreclosures.

• CoreLogic confirmed that VendorScape exists, despite attempts to obscure its use.

• VendorScape is described as an “electronic case management system,” but in practice, it operates as the central hub for foreclosure workflows.

• CoreLogic owns, maintains, and operates VendorScape, even while trying to imply they are separate.

Since this was a mandatory federal response, any misrepresentation would have been subject to penalties for lying to a federal agency.

How Does VendorScape Work?

CoreLogic’s explanation shows VendorScape is far more than simple data storage:

• Centralized Workplace: Stores electronic “documents,” but only as images—not originals. These can be added, deleted, or changed by anyone with access.

• Workflow Initiation: VendorScape itself initiates foreclosure workflows, such as notices of default and foreclosure actions.

• Decision-Making Power: CoreLogic suggests that “clients” like Ocwen define workflows, but in reality, those servicers lack authority. The decisions are circularly attributed either to CoreLogic/VendorScape or the servicer, depending on convenience.

• Data Ownership Trick: CoreLogic claims clients “own” the data, but most entries are auto-generated by Black Knight-controlled systems and not entered by servicers themselves.

In short: nominal servicers don’t actually control the records or foreclosure actions.

Why This Undermines Foreclosure Evidence

These revelations strike at the foundation of foreclosure litigation:

• Servicer Records Are Not Business Records: They do not originate from the servicer’s own operations, but from CoreLogic/Black Knight systems.

• Hearsay Problem: Foreclosure evidence based on these records should be inadmissible under the hearsay rule.

• Common Legal Mistakes:

  • Failure to make a timely objection when evidence is introduced.

  • Failure to move to strike testimony or exhibits after an objection is sustained.

Once admitted, unreliable records gain the presumption of validity—unless challenged immediately and properly.

Key Takeaways for Homeowners and Attorneys

• VendorScape is the engine behind most U.S. foreclosure actions.

• “Servicers” like Ocwen are fronts with no independent knowledge of borrower accounts.

• Lawyers defending homeowners must object in real time to prevent fabricated records from becoming evidence.

• Proper challenges can reveal that foreclosure claims rest on manufactured documents and false presumptions.

Fighting Foreclosure? Contact Living Lies

Need help fighting foreclosure? Contact our team at 844.583.5339 or submit a free case statement. Early intervention is critical to prevent mistakes that could cost you your home.

Tags: Black Knight, CFPB Complaint, CoreLogic, Hearsay on hearsay, motion to strike exhibits, motion to strike testimony, Ocwen, timely objections, VendorScape
Posted in Corruption, discovery, evidence, foreclosure defenses, Pleading, securities fraud, Servicer |