Hi,
I have been experiencing the same issue for the past week now. I don't know if this issues coinsides with any update.
I can't seem to find any file called login.keychain. I did however delete all other file found in the Keychains folder. To my surprise once the computer had rebooted, my keychain directory was restored and intact.
This solution is only temporary: if my computer shuts down, sleep mode the process has to be repeted.
Exactly the same thing happens if I create a new admin account.
I have tried both to repair my disk permissions and run keychain first aid as suggested here wihtout much success.
My computer skills being rather rudimentory, I was not able to fiddle with the CRL and OSCP. I have no idea what they are and where to find them.
Any chance we'll be seeing an update from Apple?
Thanks for your help