Complaints

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

close

Find a Location

Factual Data, Inc. has 4 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Factual Data, Inc.

  250 E Broad St Ste 2100 Columbus, OH 43215-3754

• 

  Innovis

  950 Threadneedle St Ste 200 Houston, TX 77079

• 

  Factual Data

  PO Box 1055 Pittsburgh, PA 15230

• 

  Innovis

  PO Box 530088 Atlanta, GA 30353

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:12/06/2024

  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 ************ Credit 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 10/31/2024. 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 ********* last 4 are 2209 My date of virtual si 03/23/1965

  Business Response

  Date: 12/13/2024

  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 ****** ****************** Retail, 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
  PO Box 530088
  *****************-0088
  
  Please visit our *************** on ************************** for more information regarding your Innovis Credit Report.

• Initial Complaint

  Date:12/02/2024

  Type:Customer Service 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.

  My name is ***** ********. Recently I tried to login into my online account with my username and password but I am not able to get any passcode on my phone . I recently switched from at & t to ******* but I have the same phone number as before. I called the customer service but they can’t help me access my account. I am not sure if my report is frozen or not since I am not able to login. I don’t even have PIN number since I created an account online. Can you please help me login into my account . I know the username and password . I also have the same phone number just the different carrier. Thank you very much

  Business Response

  Date: 12/09/2024

  In your
  complaint, you explain that you are unable to log in to your *********** account. You also ask about the status of a Security Freeze.
  
  We are pleased
  to see that you were able to log in to your account today, 12/9/2024.
  
  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. Additionally, Innovis Representatives are unable to
  disclose or assist with bypassing these security controls.
  -Per our phone conversation with you on 12/2/2024, an Innovis Representative informed you that since you were unable to log in to Innovis.com, we would be happy to assist you by phone. The Representative informed you that we are unable to bypass any security controls on Innovis.com that may prevent you from logging in.
  -Any request that you’d like to submit
  through your Innovis.com account may be submitted by phone or mail.
  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
  *******************************************
  -There is no Security Freeze on your Innovis Credit Report at this time.
  -In addition to viewing your report online, you also requested that a copy be mailed to you at the address, **** **** ****** *** **, on 12/4/2024. You can expect to receive your correspondence within 7 to 10 business days from that date.
  
  Please visit our
  Learning Center on *********** for more information regarding your Innovis
  Credit Report.

  Customer Answer

  Date: 12/10/2024

  I am not trying to bypass the security . I am telling I have the same phone number listed on my account but I am still not able to login in my account. Please help me with that. Also want to make sure if the credit report has been mailed to apartment ** . Thank you very much.

  Business Response

  Date: 12/17/2024

  -While you may not be intending to bypass our website security controls, we are unable to override or disclose these controls for the security of consumer information.
  -Although we are unable to provide you with access to your Innovis.com account, we are happy to assist by phone or mail with any request you have pertaining to your Innovis Credit Report. This could include ordering a free copy of your Report, placing or managing a freeze or alert, or initiating a dispute. While you have expressed dissatisfaction with your inability to access your ********** account, we have fulfilled your request to receive a copy of your Innovis Credit Report.
  -Your report was mailed to the address you entered in our online request form on Innovis.com (with Apt **, as in "*") on 12/2/2024:
  
  ***** ********
  **** **** ****** *** **
  ********* ** *****
  
  -We apologize for the experience that you had on Innovis.com. While we cannot address your immediate concern, your experience is important to us. All of the complaints we receive regarding our website are reviewed by our web team, and this includes your complaint. We use that information to make ongoing improvements to our website. Thank you for taking the time to give us your feedback.
  

  Customer Answer

  Date: 12/18/2024

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

• Initial Complaint

  Date:10/22/2024

  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'm writing about a fraudulent/unauthorized hard inquiry made by FACTUAL DATA that appeared on my credit report on 10/09/2023. I did not initiate or authorize this inquiry. It appears that I am not the only one with this same issue and complaint from looking at BBB.

  Business Response

  Date: 10/28/2024

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

  Please accept this response to the complaint we received regarding ****** ****** on 10/23/2024.

  We spoke to Ms. ****** on 10/25/2024 and discussed her concerns. Our records indicate that our client, ******* ***** ******** ****, accessed a copy of her credit report on 10/09/2023. Ms. ****** stated she is familiar with this inquiry and nothing further was needed from Factual Data at this time.

  Factual Data provides credit information from Consumer Reporting Agencies (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 credit reports are generated. 

  Sincerely,

  Factual Data Consumer Assistance 

• Initial Complaint

  Date:08/30/2024

  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 am writing to dispute an unauthorized inquiry made by FACTUAL DATA that appeared on my credit report on 3/20/2024. I did not initiate or authorize this inquiry. I am a victim of identity theft and have filed a complaint with IdentityTheft.gov, a copy of which is enclosed for your reference.I request that this inquiry be removed from my credit report immediately and that steps be taken to prevent any future unauthorized inquiries.Thank you for your prompt attention to this matter.

  Business Response

  Date: 09/05/2024

  9/5/2024
  Better Business Bureau
  ***************
  Columbus, OH 43215
  Re: Crystal ***********************
  Complaint ID: ********
  Please accept this response to the complaint we received regarding Crystal *********************** on 8/30/2024.

  
  We called the consumer on 8/30/2024, 9/03/2024, and 9/05/2024 to discuss their concerns, but were unable to reach them. To better assist us in processing their complaint, the consumer can call our Office of Consumer Affairs at ************.

  
  Additionally, on 9/05/2024 we sent an email to the consumer requesting a copy of the Identity Theft Report that the consumer mentioned but not provided in the complaint.

  
  Our records indicate that our client, AMERICAN FINANCE, LLC, accessed a copy of the consumers credit report on 3/20/2024. Their contact information is listed below. For more information about this inquiry, including why they accessed a copy of the credit report, the consumer can contact our client directly.

  
  AMERICAN FINANCE, LLC
  ***************************************************************************
  ************

  
  If the consumer would like to dispute the inquiry, they may 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.

  
  Sincerely,
  Factual Data Consumer Assistance

• Initial Complaint

  Date:06/24/2024

  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 June 24th, 2024 I attempted to remove my credit freeze with no success. I have the correct PIN number to do so and its asking me to send by mail my request. I need this done ASAP as its for my living situation.

  Business Response

  Date: 07/02/2024

  In
  your complaint, you state that you were unable to remove the Security Freeze from
  your Innovis Credit Report. You also request a copy of your Report.
  
  In response to
  your complaint:
  -Per your previous request, initiated on Innovis.com on 1/30/2024, a Security Freeze was placed on your Innovis Credit Report. A Security Freeze Confirmation Letter, containing your 10-digit Security Freeze PIN, was mailed to the address you entered, ***** ******* ****
  -Our records indicate you attempted to remove the Security Freeze two times via Innovis.com on 6/24/2024. However, an incorrect PIN was entered in each attempt.
  -The address you provide with your complaint, **** ******* ******** ** *** ****, is not on your Innovis Credit Report. To protect your information, we will only send a new Security Freeze PIN and copy of your Report to a verified address. On 6/27/2024, we emailed you a link to upload proof of your address. However, we did not receive a response. Please provide proof of this address with a Driver’s License, recent and complete Utility Bill, W2, Pay Stub, Bank Statement or Credit Union Statement that includes your full name and current address. You may provide that documentation using the address below:
  
  Innovis
  Consumer Assistance
  ** *** ******
  ******** ** *****
  
  -Once we receive proof of your current address and send you your new Security Freeze PIN, please contact us directly by phone or online at ******************************************** to request that your Security Freeze be permanently removed.
  -A free copy of your Innovis Credit Report will be mailed to you once proof of your current address is received.
  
  Please visit our Learning Center on Innovis.com for more information
  regarding your Innovis Credit Report.

• Initial Complaint

  Date:06/21/2024

  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.

  To Access My report S.S.N. ********* D.O.B ********** My complaint is against INNOVIS for not allowing me access online to file disputes and inaccuracies for the last 7 months.
  
  I called innovis back in November and December 2023 to update correct phone numbers and delete invalid phone numbers on my file
  
  The agent stated the invalide numbers were deleted in my dispute and the two set of numbers were already on my file but it takes at least 2 months to be able to be used as a authentication to send pin codes two my numbers to access my report online.
  
  As of June 21, 2024 my last attempt I was still unable to access my online file even thou when I log in to innovis.com it shows my last four digits to my correct phone number ending in **** but it was unable to send a pin code or even call my number
  
  I tried my secondary number it stated the same info and than said we are not able to verify you're identity.
  
  I used innovis online dispute for many years and never had this issue accessing my credit report online to make an dispute intil this internal error started 7 months ago
  
  I did in fact mailed a copy of my driver license and social security to update correct numbers this information was mailed back between november-december 2023
  
  I contacted innovis by phone between June 19-20, 2024 and stated the errors and that I am not able to log on to my report using the registered authentication numbers its asking me to send a pin code to ending phone number 8361
  
  please note both number in this complaint are also on my Experian,TransUnion,Equifax credit reports and accounts
  
  
  The agent ask me identity questions from my credit reports to identify me and than stated you don't see my numbers on file even thou both numbers I had requested in writing and phone to be added for pin purposes and identity verification.
  
  My correct phone numbers are ###-###-####
  
  my second correct phone number is ###-###-####
  
  
  both sets of number should only be used to verify me online

  Business Response

  Date: 06/25/2024

  In
  your complaint, you express dissatisfaction with your inability to log in to
  your *********** account.
  
  Per your previous request, initiated
  on Innovis.com on 6/21/2024, 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.

  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 you’d like to submit through your Innovis.com account may be submitted by phone or mail. 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 – *******************************************

  
  -We are happy to assist with any request pertaining to your Innovis Credit Report. This could include ordering a free copy of your Report, placing or managing a freeze or alert, or initiating a dispute. While you have expressed dissatisfaction with your inability to access your Innovis.com account, you did not provide a request regarding your Report. You may contact us directly for assistance with any of the actions listed above.

  
  -The phone numbers ###-###-#### and ###-###-#### are not on your Innovis Credit Report. We are unable to add information to your Innovis Credit Report by phone. Additionally, personal information may only be added by mail if proof documentation is received. In order for us to add these phone numbers to your Innovis Credit Report, please provide proof of these numbers with a recent phone bill showing your name and the phone numbers.
  
  Please visit our Learning Center on *********** for more information
  regarding your Innovis Credit Report.

  Customer Answer

  Date: 06/26/2024

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

• Initial Complaint

  Date:06/17/2024

  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.

  Innovis has spectacular security and I appear to have locked myself out of my account. The phone number I registered with, used to be a cell phone, but I temporarily ported it to ****** Voice (VOIP). I just recently RE-ported it back to a cell phone company ********** I wanted to ask if it is possible to unblock or manually allow me to reverify using the cell number? Had I known VOIP is a no-no, I wouldn't have ported number to take advantage of a phone deal. Please and thank you in advance.

  Business Response

  Date: 06/24/2024

  In your complaint, you request that Innovis assist you with logging in to your Innovis.com account.
  
  Per your phone conversations with Innovis on 4/9/2024 and 6/17/2024,our representatives informed you that since you were unable to log in to Innovis.com, we would be happy to assist you by phone. We also informed you that we are unable to bypass any security controls on Innovis.com that *** prevent you from logging in.
  
  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 *** not be able to meet all of the criteria and apologize for any inconvenience this *** cause. However, these security measures cannot be bypassed.
  -Any request that youd like to submit through your Innovis.com account *** be submitted by phone or mail. Additionally, you *** 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 **************************************************************************
  -We are happy to assist with any request pertaining to your Innovis Credit Report. This could include ordering a free copy of your Report, placing or managing a freeze or alert, or initiating a dispute. While you have expressed dissatisfaction with your inability to access your Innovis.com account, you did not provide a request regarding your Report. You *** contact us directly for assistance with any of the actions listed above.
  
  Please visit our *************** on Innovis.com for more information regarding your Innovis Credit Report.

  Customer Answer

  Date: 06/25/2024

  [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 
  
  Complaint: 21863536
  
  I am rejecting this response because:
  I still can't access account online. While options are available via snail mail, I would prefer to not live like a caveman and access all items using stale 20th century techniques.
  The links provided (which I technically was forced to take advantage of due to the long duration I haven't been able to access the account), aren't a great long term solution.
  I understand there's security protections in place, it would be nice if there were protocols in place to resolve via notary or some other official documentation or similar avenue.
  
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 06/27/2024

  Thank you for your feedback. I do apologize for the experience that you had on Innovis.com. I know you have tried the links we suggested, but it was not the ultimate experience you wanted. While I cannot address your immediate concern, your experience is important to us. All of the complaints we receive regarding our website are reviewed by our web team, and this includes your complaint. We use that information to make ongoing improvements to our website. Thank you for taking the time to give us your feedback.

• Initial Complaint

  Date:06/14/2024

  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.

  I am filing this complaint because in the summer of 2023, I am constantly being harassed by ********* ********* about a debt in August of 2022 that I am not liable for. I received a letter from Innovis Consumer Assistance which I do not have a contract with requesting payment of a debt in the sum of $4,764. A request of the original contract was not honor.

  Business Response

  Date: 06/18/2024

  In
  your complaint, you claim you received a letter from Innovis requesting
  payment. You also request an original contract, and state that your credit has
  been affected.
  
  Per your previous request, initiated
  on *********** on 6/14/2024, Innovis initiated a dispute with *************** ********, asking that they validate the accuracy and completeness of their
  account ending #****. We have not yet received a response. Upon completion, the
  investigation results will be available for you to view on ***********.

  In response to
  your complaint:
  -Innovis is a Consumer Reporting Agency, not a debt collector or creditor. Innovis does not collect debt or request payment from consumers. Additionally, we have no record of sending a letter of any kind to you.
  -Consumer Reporting Agencies like Innovis do not maintain original documents concerning your relationship with your creditors, such as *************** ********. You may contact your creditor directly to request those documents. Innovis provides creditor contact information in our Reports which may be viewed online or requested by mail.
  -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 *********** for more information
  regarding your Innovis Credit Report.

  Customer Answer

  Date: 06/18/2024

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

• Initial Complaint

  Date:05/30/2024

  Type:Customer Service 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.

  Factual data is now stating that my ******* report is still showing a block or alert, that I have no credit score and no accounts. ******* says this is untrue and for factual data to call their business line. Factual data said they’ll only talk to their contact they have there even though that contact was clearly wrong and unhelpful. They’re costing me a house. My ******* score is over 800.

  Business Response

  Date: 06/07/2024

  *************
  Please accept this response to the complaint we received regarding ****** ***** on 5/31/2024.

  We researched Ms. ******* issue and worked with Equifax to identify an update they made to their systems which affected the consumer’s credit report. Per our request, Equifax rolled back the update. We have re-accessed Ms. ******* Equifax credit report and score and provided it to her lender. We spoke with her on 6/6/2024 and conveyed this information to her.

  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 for lending purposes.

  
  Sincerely,
  Factual Data Consumer Assistance

  Customer Answer

  Date: 06/07/2024

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

• Initial Complaint

  Date:05/13/2024

  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 placed a security freeze on any Innovis files because I don't want any further information added to it. Innovis has created a file for me that I never authorized, and I'm not sure why it exists. I did not give Innovis permission to create it, I did not give Innovis permission to keep information on me. I did not give Innovis permission to share that information with others. Innovis is a for-profit company. Innovis is not a government entity. Innovis is not required by law to have any of my personal information. This address on the attached letter was not approved to be added to any report or file. The address is unmailable. The address is incorrect. No creditors of mine have this address on file. I did not provide any documentation to Innovis with this address. The address needs to be removed immediately. It is against numerous privacy violations and I do not consent. If it is not removed, I will sue.

  Business Response

  Date: 05/15/2024

  In
  your complaint, you request that an address be removed from your Innovis Credit
  Report. You also claim that Innovis does not have your permission to maintain a
  Report for you.
  
  In response to
  your complaint:
  -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 is exempt from file deletion requests or requests to delete information that is complete and accurate. However, you have several privacy rights under the Fair Credit Reporting Act (FCRA) and state privacy laws. For more information about the rights you have, please visit our website at ************
  -Per your previous request, initiated on Innovis.com on 8/20/2023, a Security Freeze was placed on your Innovis Credit Report. A Security Freeze Confirmation Letter, including your Security Freeze PIN, was mailed to you dated 8/20/2023.
  -Because you have a Security Freeze on your Innovis Credit Report, we will notify you by mail of any new personal information that is added to your Report. The address in the letter we sent you, dated 4/9/2024, was reported by ******* ******** account ending #**** on 3/31/2024. This letter was sent to both *** * *** ** *** **** and **** * **** *****. If you prefer not to receive letters of this nature in the future, you may remove your Security Freeze at ***********. If you no longer have your Security Freeze PIN, you can request to reset your PIN. Once your new PIN is received, you may remove your Security Freeze.
  -The address, *** * *** ** *** ****, has been removed from your Innovis Credit Report.
  -You may contact the furnisher of this information, Verizon Wireless, with your concerns regarding the address that was added and to manage the personal information they maintain for you. Innovis includes furnisher contact information in the investigation results we send out.
  
  The investigation results have been mailed to you separately.
  
  Please visit our Learning Center on Innovis.com for more information
  regarding your Innovis Credit Report.