I agree with Robert that some companies have clueless people calling the vendors. 

I got a call last Friday, not from our client but from the lender (who obtained our info off the report header).  This woman is telling me we did a search on the wrong guy because the LP is coming up as "Herschel Howard Robinson" and our guy is "Howard Robinson" for a different address.  I slooowwwly explained why it's on the report.  Then she's freaking out that HOW DO WE KNOW THIS GUY HASNT GOTTEN A MORTGAGE SINCE THEN (order from October, Effective 9/29).  I said, well, you don't... did you order an update because I wouldn't  insure or lend on this old report if I were them.  She then tells me there's no chain of title (at this point I'm thinking our report was left off but no, we confirmed she's looking at it).  Trying not to take on the tone of someone talking to someone with an IQ of 60, I explained there's a chain, of ONE link when he bought from HUD in 2006.  We reported no open mortgages and she's looking at the deed and saying this is what shows it's free and clear, right?           WHAT?  I thought they had the cleaning lady call us after hours on the file.

Don't you know she calls again today.  Her U/W wants US to prove that LP & foreclosure (which was not fully satisfied) is not for their borrower.  They have full copies of both.  I told her we can't give opinions on what is or is not applicable to the borrower and that the lender & title company do that through various means and borrowers with common names often have to sign affidavits at closing saying the JL is not theirs.  After that call I spoke to our client, the title company, and asked why this clueless woman is calling us and did they ever order an update?  Nah, of course they didn't.   

I don't mind mapping out a chain or explaining what's going on but this is just incompetence!