Business Profile

Credit Reporting Agencies

Factual Data, Inc.

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Factual Data, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

61 total complaints in the last 3 years.
15 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:06/06/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This complaint concerns Innovis’s failure to remove fraudulent accounts from my credit report following identity theft. Despite filing disputes and providing comprehensive documentation, including an identity theft affidavit from the FTC, Innovis has repeatedly verified these fraudulent items as legitimate. I have followed Innovis’s dispute process diligently, but these inaccurate entries continue to negatively impact my credit score and financial standing. Their inaction is causing me significant distress and hindering my ability to access credit and essential services. Innovis’s failure to comply with the obligations under the FCRA, FACTA, and related regulations will result in all available legal remedies being pursued, including but not limited to filing formal complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), as well as initiating civil litigation for damages as authorized under 15 U.S.C. § _1681n and §1681o.
Business Response
Date: 06/11/2025
In your
complaint, you request that information be removed from your Innovis Credit
Report.

Per your previous
request initiated on Innovis.com on 06/06/2025, we informed you that, per the
ID Theft Report you provided, Innovis blocked the information you identified as
fraudulent. The investigation results were available to you on Innovis.com.

In response to your complaint:
- The information referenced in your complaint is not on your Innovis Credit Report.
- Innovis does not offer a credit score. For information about your FICO credit score, you can contact the Fair Isaac Corporation, the company that generates FICO credit scores, at ************** or ###-###-####.

Please visit our Learning Center on Innovis.com for more
information regarding your Innovis Credit Report.
Customer Answer
Date: 06/11/2025
I accept the business's response to resolve this complaint.

Regards,

***** *******
Initial Complaint
Date:05/09/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
To Whom It May Concern:Pursuant to 15 U.S. Code 1681c-2, I am formally requesting that you block and remove the fraudulent account(s) listed below from my Innovis credit file within the required timeframe. This information resulted from identity theft and is causing undue harm to my ability to obtain credit and housing.Under this federal law, you are required to block the reporting of information that a consumer identifies as resulting from identity theft, no later than four business days after receiving:Proof of the consumers identity,A copy of an identity theft report,The identification of the information to be blocked, and A statement by the consumer that the information is not related to any transaction by them.Please consider this my formal request under FCRA Section 605B [15 U.S. Code 1681c2]. I demand that you act accordingly and remove the fraudulent information immediately.******* Wireless: Acct # *** Date *********/2017 Sincerely,Lavascia *****
Customer Answer
Date: 05/09/2025
I am writing to you as a victim of identity theft, and I am demanding the immediate deletion and blocking of all inaccurate, fraudulent, or unauthorized information from my Credit Profile.
Business Response
Date: 05/13/2025
In your complaint, you request that information be removed from your Innovis Credit Report.

In response to your complaint, the account referenced in your complaint is not on your Innovis Credit Report. It was removed previously per your request received 5/8/2025.The investigation results will be mailed to you separately.

Please visit our *************** on ************************** for more information regarding your Innovis Credit Report.
Customer Answer
Date: 05/13/2025
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I accept the business's response to resolve this complaint.

Regards,

Lavascia Amiri
Initial Complaint
Date:05/06/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Finding unauthorized accounts made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!
Business Response
Date: 05/12/2025
In your complaint, you request documentation regarding information on your Innovis Credit Report. You also claim Innovis ignored your previous requests, and reported information without your consent.

Per the ** Theft Report you provided with your previous request, received 5/6/2025,Innovis blocked the following information from appearing on your Innovis Credit Report:
-CarMax Auto Finance account ending #****
-Comenity Capital/Chldplce account ending #****
-Comenity Capital/Ulta account ending #****
-Comenity ***************** ****** account ending #****
-Syncb/HSN account ending #****
-First Progress Card account ending #****
-Synovus Bank account ending #****

The investigation results will be sent to you in a separate mailing.

In response to your complaint:
-Per the ** Theft Report you provided, the following information has been removed from your Innovis Credit Report:
-The name ******* ******
-The following information was not deleted because it appears on proof documents submitted by you:
-The name ******* ***** ****** appears on the Drivers License you provided with your complaint.
-There must be at least one occurrence of an address on your Innovis Credit Report. We did not remove the address, ****************, because it is the most recently reported address by a creditor on a current account.
-The mailing address you provided, ***********************, is not on your Innovis Credit Report. In order for us to update this information, please provide proof of this address with a Drivers License, recent Utility Bill, Bank Statement, or Credit Union Statement that includes your full name and current address.
-Consumer reporting agencies like Innovis do not maintain original documents concerning your relationship with your creditors. You may contact your creditors directly to request those documents. Innovis provides creditor contact information in the investigation results that we send out.
-As a consumer reporting agency, Innovis sells consumer reports and personal information to customers with a permissible purpose to obtain this information under applicable credit reporting and data privacy laws. For more information about how we collect and use personal information, please review the Innovis Privacy Notice on our website at **************************.

Please visit our *************** on ************************** for more information regarding your Innovis Credit Report.
Initial Complaint
Date:05/06/2025
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On 5/6/25 I had an issue verifying my identity at a bank. This was solely due to the banks Innovis verification software being unable to use my ******* cell phone number which I have had for over 2 years to send a one time code to me. (box was greyed out)
After using alternative verification (a cumbersome in person process) to complete the transaction, the bank informed me to contact Innovis as they use their system and thats where the issue is so I can avoid this in the future.
I contacted Innovis by phone and spoke to two representatives who went through steps to verify my identity. Funny enough, they ran into the same issue where ************, the only cell phone I own, not being an option to be used for verification. Inovis said that they "see the phone number ************ on my credit report and it wont affect my credit". Thats fine... however their own verification system has some kind of issue sending a one time code to my number.
When I asked more questions, both representatives I spoke to seemed unabled (by means of policy) or unwilling to help further and told me where was no means of escalation. My credit report is fine... no issue there. However innovis's internal system has some kind of issue where it wont let ANY business who uses theur software for verification to properly authenticate me because of an issue with my cell phone ************ in their system.
I want this issue corrected as this is silly... Why should I have to deal with extra verification from any businesses who use their services because they cant fix my file?! I will gladly provide any identifying information and my ******* bill to prove i'm really me and its a real cell phone!
Business Response
Date: 05/13/2025
In your complaint, you express dissatisfaction regarding an experience you had with an Innovis product as part of a transaction with *****************

In response to your complaint:

-The products Innovis offers to our customers, which include banks and other lenders, are used for fraud prevention and identity verification. For the security of consumer information, Innovis does not disclose, bypass, or interfere with these products on behalf of any consumer. Therefore, we cannot provide the reason you may not have been able to receive a passcode. We are also unable to confirm if you may be able to receive a passcode in the future.

-It is ***************** responsibility to facilitate your transaction. If **************** is unable to authenticate you using an Innovis product, they must proceed in accordance with their internal procedures.

-While we cannot resolve your immediate concern, we have noted the transaction details and will report them to the appropriate parties to prevent any additional confusion in the future.
Customer Answer
Date: 05/13/2025
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 23294390

Lets leave **************** or ANY customer of yours out of this. This issue is with Innovis, not ****************. Please re-read the part below in quotes from my complaint where I explain that YOUR OWN SYSTEM presents the same issue that clients of yours experience when trying to verify my identity. Further you go on tpo say that Innovis or your system and processes are not creating any obstacle of hindrance with verifying my identity. This absolutely untrue! If you cant guarantee that you are able to send me a pass code, then your system is broken and needs to be fixed. If I cant be sent a pass code, you cant verify and you ARE creating a hindrance.
This circular logic is really on my nerves. If you spent 1/4th the amount of time looking at your system as you did explaining in detail why you are unwilling to help me, this would be fixed by now.

"I contacted Innovis by phone and spoke to two representatives who went through steps to verify my identity. Funny enough, they ran into the same issue where ************, the only cell phone I own, not being an option to be used for verification. Inovis said that they "see the phone number ************ on my credit report and it wont affect my credit". Thats fine... however their own verification system has some kind of issue sending a one time code to my number."

Regards,

***** ****
Customer Answer
Date: 05/13/2025
Why has this been closed? All the business did is repeat the same thing that doesn't address the matter that they did over the phone. Whats the purpose of reporting this matter if they do nothing, and that settles the matter?
Initial Complaint
Date:04/21/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On or around March 07, 2025 I received a report from Innovis case ID# ********.
On the report that I received contains accounts that doesn’t belong to me, I don’t know where these accounts came from and I have no knowledge of these accounts:
****** ** account #…..**** open date 01/18/2019
****** ** account # …..**** opened 12/31/2018
****** ** account # …..**** opened 01/03/2019
******** ** account # …..**** opened 04/26/2019
Roadrunner account services account # ….**** opened 08/17/2019
******** ** account # …..0001 opened 04/11/2019
******* **** ….**** opened 06/16/2022
River ****** ****** ***** account # …..**** opened 10/27/2021
******** **** ******* # ….**** opened 09/03/2019
******** **** ******* # ….**** opened 06/08/2022
** *** ****** ***** account # ….****
Opened 09/20/2018
******** ******* ****** ***** account # …..**** opened 12/13/2022
These accounts need to be removed ASAP these accounts do not belong to me and the information provided such as addresses, phone numbers and ETC does not match the address I have been living at for the past 20 years, revive these accounts now.
Business Response
Date: 04/22/2025
In your
complaint, you request that information be removed from your Innovis Credit
Report.

In response to your complaint:
-***** ****** ****** ***** Inc account ending #**** has been removed from your Innovis Credit Report.
-Innovis
initiated disputes with the following creditors, asking that they validate
the accuracy and completeness of their accounts:
-****** ** accounts ending #****, #****, and #****
-******** ** – Consumer accounts ending #**** and #****
-********** ******* ******** account ending #****
-******* **** accounts ending #****, #****, and #****
****** ****** ***** account ending #****
********* ******* ****** ***** account ending #****
-Upon
completion, the investigation results will be mailed to you separately.

Please visit our
Learning Center on *********** for more information regarding your Innovis
Credit Report.
Customer Answer
Date: 04/22/2025
these accounts must be completely removed

Regards,

********* *******

Business Response
Date: 04/25/2025
In your rejection to Innovis’s
response to your complaint, you claim “these accounts must be completely
removed.”
In response to
your rejection:
-Pursuant to 15 U.S. Code § 1681i (Fair Credit Reporting Act), Innovis initiated disputes with the creditors referenced in your complaint, asking that they review the accuracy and completeness of their account information. Innovis provides the furnishers of the disputed items with all relevant information received from you as part of your dispute. Upon completion, the investigation results will be mailed to you separately. Most investigations are completed within 30 days.

-Additionally, per the FCRA, Innovis is required to maintain accurate and complete information. Innovis cannot remove information that is verified as complete and accurate at your demand.

-If the reinvestigation process with your creditor(s) does not resolve your dispute, you may file a brief statement with Innovis setting forth your dispute. We will include this statement in any subsequent consumer report containing the information in question. The statement may contain up to 100 words. To add a statement to your Innovis Credit Report, or if you have additional documentation that supports your dispute, you may send the information to the address below.

Innovis Consumer Assistance
** *** ******
******** ** **********
Initial Complaint
Date:03/21/2025
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have been paitently trying to work with Factual Data to clean up some weird stuff that they have reporting on my consumer file. They have been stalling me out of actually investigating and cleaning up these items. Can your company ensure this stuff is removed?
Business Response
Date: 03/28/2025
************
Please accept this response to the complaint we received regarding ****** ************ on 03/24/2025.

We called ****** ************ on 03/25/2025, 03/27/2025, and 03/28/2025 to discuss her concerns, but were unable to reach her. To better assist us in processing her complaint, she can call our Office of Consumer Affairs at ###-###-####.

After researching, we located a request for a credit report, which was processed on 01/27/2025. However, there were no calls received or dispute requests from Ms. ************.

Per her complaint, we have disputed information with the Consumer Reporting Agencies (CRAs). Results of the investigation will be mailed to her upon receipt.

Factual Data provides credit information from CRAs to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act to obtain credit information.

Sincerely,
Factual Data Consumer Assistance
Customer Answer
Date: 03/29/2025
I would prefer to speak only via email or mail to maintain a record of my correspondence. I can provide the tracking numbers to my letters if Factual Data would like me to

Regards,

****** ************
Business Response
Date: 04/01/2025
Please accept this response to the complaint we received regarding ****** ************
on 03/24/2025.

We called ****** ************ on 03/25/2025, 03/27/2025, and 03/28/2025 to discuss
her concerns, but were unable to reach her. To better assist us in processing her complaint, she
can call our Office of Consumer Affairs at ###-###-####.

After researching, we located a request for a credit report, which was processed on 01/27/2025.
However, there were no calls received or dispute requests from Ms. ************.

Per her complaint, we have disputed information with the Consumer Reporting Agencies
(CRAs). Results of the investigation will be mailed to her upon receipt.

Factual Data provides credit information from CRAs to its clients, which are primarily banks,
mortgage companies and other lending institutions that have a permissible purpose under the Fair
Credit Reporting Act to obtain credit information.

Sincerely,

Factual Data Consumer Assistance
Initial Complaint
Date:01/24/2025
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
They keep checking my credit score, even though I have NOT requested a new line of credit etc. We have called them before to ask to them to stop and they have done it again. My credit score has dropped 61 points because of them!
Business Response
Date: 01/31/2025
***********
Please accept this response to the complaint we received regarding *********** *********** on 01/24/2025.
We contacted Mr. *********** by phone on 01/24/2025 to discuss his concerns. Our records indicate that our client, ******* ************E, accessed a copy of his credit report on 05/19/2023 and our client, ********* ****, accessed a copy of his credit report on 09/20/2023. He stated that he was familiar with these inquiries and nothing further was needed from Factual Data at that time.
Additionally, our client, ******* *************, accessed a copy of his credit report on 09/05/2024 and 01/13/2025. Per our conversation, we have disputed the inquiries with the Consumer Reporting Agencies (CRAs). Correspondence regarding the dispute will be mailed to Mr. ***********.
If he needs further assistance in the future, he can contact us at ###-###-####, Monday through Friday 8am – 7pm ET, by mail at ** *** ****** ******** ** *****, or by fax at ###-###-####.
Factual Data provides credit information from CRAs to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act to obtain credit information. Factual Data does not maintain a database of consumer information from which new reports are generated.
Sincerely,
Factual Data Consumer Assistance

Customer Answer
Date: 02/07/2025
BBB called the consumer using an automated calling system. The consumer replied with a text message with the number 1 indicating that their complaint was resolved and could be closed.
Initial Complaint
Date:01/16/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Im trying to see what information Innovis says I have on my report but have failed to receive one .. When trying to login it says that they cant send a code to my number. So what did I do ? I tried 5 other numbers and they all said the same thing. So then I said let me try the mail AGAIN. *** ordered my report before and never got it. After giving them all of my personal information it claims they cant do it online to call. So I called and was told that since a code cant come to my phone theres nothing that can be done. So how exactly am I supposed to access my report if all the suggestions from them have failed . Thats not right at all . I want to make an account so I can access my report
Business Response
Date: 01/22/2025
In your complaint, you express dissatisfaction with your experience regarding **************************.

In response to your complaint:
-For the security of consumer information, we have implemented several controls on our website for accessing an account, including two-factor authentication. We understand that some consumers may not be able to meet all of the criteria and apologize for any inconvenience this may cause. However, these security measures cannot be bypassed.
-Any request that youd like to submit through an ************************** account may be submitted by phone or mail using the contact information provided below. Additionally, you may manage your Security Freeze, Fraud Alert, or order a free copy of your Innovis Credit Report without logging in by using the following links:

Place or Manage an Existing Security Freeze ***********************************************************
Place a Fraud or Active Duty Alert ******************************************************************
Order Credit Report **************************************************************************

-A free copy of your Innovis Credit Report has been mailed to your current address. You can expect to receive your Report in 7 to 10 business days.

Innovis Consumer Assistance
PO Box 530088
*****************

**************
Representatives are available to assist you Monday through Friday,from 8 AM to 8 PM (ET)

Please visit our *************** on ************************** for more information regarding your Innovis Credit Report.
Customer Answer
Date: 01/23/2025
They said they are sending my report to my house. I didnt give an address . Its ************************************. If you guys could make sure they have that Id appreciate it. Thats all I have left to say. Have a great day and thank you.
Customer Answer
Date: 01/23/2025
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 22818135

I am rejecting this response because:
They said they are sending my report to my house. I didnt give an address . Its ************************************. If you guys could make sure they have that Id appreciate it. Thats all I have left to say. Have a great day and thank you.

Regards,

***** ********
Business Response
Date: 01/23/2025
You entered the address, ********************************, on ************************** on 1/15/2025 and 1/16/2025. This is the address to which your Innovis Credit Report has been sent.
Initial Complaint
Date:12/30/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I recently reviewed my credit report on Innovis and noticed an account that did not report accurately, I had two late payments on my Discover account that I was in fact paid on time. Innovis have need to report all information about me with complete accuracy. This account has not been late on payments and have included screenshots of my transactional activity in JAN 2024 & FEB 2024. Innovis has failed to investigate and send me an update on my consumer report within the time frame i provided hence update my Discover account payment History on JAN 2024 & FEB 2024 to paid/on time.
Further more , It is my understanding that per 15 USC 1681 (a)(2)(A)(i), my consumer report should not contain Information solely as to transaction or experiences between the consumer **** ***** and Innovis. Payment history and the late payment associated with payment history negatively impacts my Consumer report and are considered as part of my transactions and experiences between me and your company.
Also, I am requesting that you provide me with, in writing , the reasonable procedures {according to 15 USC 1666(b)} that you have adopted to ensure that each periodic statement is mailed ( and was in fact mailed and certified to me **** ***** in 01/2024 & 02/2024 ) not later than 21 days before the payment due date. Include also all the information required by section 16379(b) of Title 15. You have 5 days from December 30 2024 to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that, you cannot verify the late payments on these dates ( 01/2024, 02/2024) ( this means Lacking reasonable procedures to ensure the accuracy of my Discover Account) and I therefore demand that you remove the late payments from my Discover Account and ********************** report and update the accounts to Positive and on time.
Business Response
Date: 01/09/2025
In your complaint, you request that derogatory information be removed from your Innovis Credit Report.

Per your previous dispute request, initiated via ************************** on 12/22/2024, Innovis removed the late payments reporting on Discover account ending #****. A notification email was sent and the investigation results were made available for you to view on **************************.

In response to your complaint:
-The account referenced is already reporting as you requested. The investigation results, which include a summary of our reinvestigation procedures, have been mailed to you separately.
-Innovis is a consumer reporting agency, not a bank or creditor. Innovis does not offer commercial products or services directly to consumers. Therefore, Innovis does not mail statements of account or transactions to consumers as your complaint implies.
-Additionally, consumer reporting agencies like Innovis do not maintain original documents concerning your relationship with your creditors. You may contact your creditors directly to request those documents. Innovis provides creditor contact information in the investigation results that we send out.
-As a consumer reporting agency, Innovis sells consumer reports and personal information to customers with a permissible purpose to obtain this information under applicable credit reporting and data privacy laws. For more information about how we collect and use personal information, please review the Innovis Privacy Notice on our website at **************************.
-Innovis has no record of declining to process a request we received from you.
-Innovis is not affiliated with Experian, Equifax, or **********, and cannot dispute information that may appear on their Credit Reports on your behalf.

Please visit our *************** on ************************** for more information regarding your Innovis Credit Report.
Initial Complaint
Date:12/11/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
The following ****** ***** ****** account with account 0001 has already been disputed by me. The result is that this account is correct. In their report they indicate that the data was updated on 11/20/2024. I simply do not agree with this. However, they also indicate that the account went into charge off but they do not report a single payment on that report. How is this possible? How can they report this account with all this missing information? Is this 100 percent accurate. All of this is causing me a lot of difficulties, it is damaging my entire financial life. Please remove this account that is being reported incorrectly on my report.

DOB : **********
Last 4 Digits ****
Business Response
Date: 12/17/2024
In your
complaint, you request that an account be removed from your Innovis Credit
Report.

In response to
your complaint:
-Innovis initiated another dispute with ****** ********* ******** ******, asking that they verify the accuracy and completeness of their account ending #****. Upon completion, the investigation results will be mailed to you separately.

-The account referenced is in “charge off” status, meaning the creditor has written off the account as a loss and does not expect to be paid back the unpaid balance. For this reason, Innovis does not display a payment history grid for accounts in charge off status. Accounts generally enter charged off status between 120 and 180 days after the account becomes delinquent.

-If the reinvestigation process with your creditor does not resolve your dispute, you may file a brief statement with Innovis setting forth your dispute. We will include this statement in any subsequent consumer report containing the information in question. The statement may contain up to 100 words. To add a statement to your Innovis Credit Report, or if you have additional documentation that supports your dispute, you may send the information to the address below.

-You may also contact the creditor directly to dispute the information. Innovis includes creditor contact information in the investigation results we mail to you.

Innovis Consumer Assistance
** *** ******
******** ** **********

Please visit our
Learning Center on *********** for more information regarding your Innovis
Credit Report.

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