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Business Profile

Credit Reporting Agencies

Factual Data, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Reporting Agencies.

Complaints

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

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    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/21/2024

      Type:Customer Service Issues
      Status:
      Answered
      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 is providing inaccurate personal information on to CRAs and I want it to stop immediately. My Credit File is not 100% Accurate, pursuant to the Fair Credit Reporting Act (FCRA). My personal information is being reported inaccurately and I need my credit file corrected now. Inaccurate Names: ***** ********* ****** ****** ****** ****** ********* Correct Name: ****** * ********. Inaccurate Employment Info: SOCIAL SECURITY ADMI. Inaccurate Addresses Reported: **** **** ****** **** *** *** ********* ** ****** * ************ ** ****** ************** ** **********, and *** **** ** **** *********** ** **********. Therefore, my rights are being violated monthly according to 15 U.S. Code 1681e - Compliance Procedures, Accuracy of Report, and 15 U.S. Code 1681s2 - Responsibilities of furnishers... This Negligent noncompliance of reporting inaccurate information on my credit reports must stop now. I've also never given you permission to give my information to anyone, which is a violation of 15 U.S. Code 1681b - Permissible purposes. Please delete this inaccurate personal information and afterwards have an updated credit file mailed to me. I wrote this complaint by myself, with no help.

      Business Response

      Date: 04/24/2024

      In
      your complaint, you request that information be removed from your Innovis
      Credit Report. You also claim Innovis does not have your permission to maintain
      a Report for you.

      Innovis has no record of you contacting us by
      phone, mail, or online, prior to the BBB complaint received 4/22/2024, to
      dispute information or request a free copy of your Innovis Credit Report.

      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 ************
      -The following information has been removed from your Innovis Credit Report:
      -The name ****** *****
      -The addresses * ************ ** *** *** and *** **** ** *** *

      All of the
      other information referenced in your complaint is not on your Innovis Credit
      Report. The investigation results, which include an updated copy of your
      Report, have been mailed to you separately.

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

    • Initial Complaint

      Date:04/15/2024

      Type:Customer Service Issues
      Status:
      Answered
      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 a homeless Human Trafficking Victim. I uploaded my determination documentation to Innovis and they accepted my documentation at first then a week later they refused to accept paperwork and refused to tell me why they were not accepting the determination. Please BBB help me, I don't have anywhere to live with my children. Please respond via email address ***************************

      Business Response

      Date: 04/18/2024

      In
      your complaint, you claim that Innovis refused to block adverse information
      resulting from human trafficking from appearing on your Innovis Credit Report.
      You also claim Innovis did not provide you with a reason for declining your
      request.

      In response to
      your complaint:
      -Per our communications with you by email on 2/1/2024, 2/15/2024, 3/5/2024, and 3/20/2024, and by phone on 3/20/2024, Innovis informed you that the documentation you provided with your request does not satisfy the requirement which has been prescribed by the Consumer Financial Protection Bureau in 12 CFR § 1022.142(b)(6)(i)(A)(2). It states, “Victim determination. Documentation that is of a determination that a consumer is a victim of trafficking made by a non-governmental organization or members of a human trafficking task force, including victim service providers affiliated with the organization or task force, authorized by a Federal, State, or Tribal governmental entity to make such a determination.”


      -The CFPB provides strict requirements to non-governmental entities in their commentary to the final rule 12 CFR Part 1022, published June 24, 2022. The CFPB states, “To clarify, the final rule does not permit a non-governmental entity or human trafficking task force to provide an authorization to make a victim determination under this section for itself or another entity. Instead, the authorization must be made by a Federal, State, or Tribal governmental entity, and each governmental entity may establish their own criteria for making such authorizations.”


      -Additionally, while we have confirmed that your request lacks valid Victim Determination Documentation, we have also confirmed:
      -You provided a letter prepared by ******* **********, dated 1/30/2024. The California Secretary of State indicates ******* **********’s business license has been suspended as of 10/1/2020. Therefore, the business could not legally operate on the date referenced in the letter.


      -You provided a letter prepared by *********, dated 1/16/2024. ********* is not a business registered with the California Secretary of State, nor is it a nonprofit or charitable organization registered with the California Office of the Attorney General or the United States Internal Revenue Service. Our research confirmed that this organization is also engaged in credit repair related activities.

      If you would like to seek assistance from an agency permitted under the CFPB’s final rule, you may contact the Ohio Attorney General here: **************************************************************************************. There may also be other government resources or agencies authorized by the government in your area.

      If you disagree with our determination and would like to revise your
      submission or appeal the decision, please provide your revised submission or
      send a letter describing your reasons for appeal to:

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

      If you are a victim of identity theft and would like to block
      information from your credit that resulted from identity theft, please submit
      your request by mail to the address below:

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

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


      Customer Answer

      Date: 04/19/2024

      CFPB Human Trafficking Final Rule Detailed
      Overview the Consumer Financial Protection Bureau (CFPB) has enacted a
      significant regulation to aid victims of human trafficking. This rule, which
      took effect on November 1, 2023, necessitates consumer reporting agencies
      (CRAs) to establish a process for blocking adverse credit information that
      stems from human trafficking. What Victims Need to Provide: Victims of
      trafficking are required to submit "trafficking documentation" to
      CRAs, which comprises two essential elements: Victim Determination:
      Documentation from a Federal, State, or Tribal governmental entity. Court
      documents or other records from a court of competent jurisdiction.
      Certification from non-governmental organizations or human trafficking task
      forces that are authorized by governmental entities. A self-attestation signed
      or certified by an authorized entity. Identified Adverse Items of Information:
      Documents pinpointing the adverse information that arose due to trafficking,
      such as coerced debts, criminal records, or eviction records related to the
      trafficking experience.


      Process and Timelines: Upon receiving a
      submission, CRAs must block the adverse information within four business days.
      If additional information is needed or if any documentation is missing, the CRA
      must notify the consumer within five business days. The CRA is limited in its
      requests for additional information and cannot challenge the victim's
      determination of an item being related to trafficking. A final decision on the
      block request must be made within 25 business days. If a block is declined or
      rescinded, the CRA must notify the consumer, attempting to resolve any
      submission deficiencies beforehand. CRAs are prohibited from making judgments
      based on the validity of the facts presented in the trafficking documentation.
      Consumer's Preferred Contact Method: Consumers must indicate their preferred
      method of contact, and CRAs are obliged to use only that method for all
      required communications.


      Notification and Recordkeeping: After a final
      determination, the consumer must be notified in writing within five business
      days, including an explanation of the outcome and a link to the CFPB’s consumer
      complaint portal if applicable. CRAs must keep records of consumer submissions
      and compliance with the rule for seven years after a submission is received.
      This rule represents a critical step in protecting the financial identity and
      integrity of human trafficking victims, ensuring that their credit history is
      not further marred by circumstances beyond their control. Innovis has
      informed me that the documentation I provided does not satisfy the requirement
      which has been prescribed by the Consumer Financial Protection Bureau in 12 CFR
      § 1022.142(b)(6)(i)(A)(2). It states, “Victim determination.


       Documentation that is of a determination that
      a consumer is a victim of trafficking made by a non-governmental organization
      or members of a human trafficking task force, including victim service
      providers affiliated with the organization or task force, authorized by a
      Federal, State, or Tribal governmental entity to make such a determination.” •
      The CFPB provides strict requirements to non-governmental entities in their
      commentary to the final rule 12 CFR Part 1022, published June 24, 2022. The CFPB
      states, “To clarify, the final rule does not permit a non-governmental entity
      or human trafficking task force to provide an authorization to make a victim
      determination under this section for itself or another entity. Instead, the
      authorization must be made by a Federal, State, or Tribal governmental entity,
      and each governmental entity may establish their own criteria for making such
      authorizations.” • Additionally, while we have confirmed that your request
      lacks valid Victim Determination Documentation, we have also confirmed (This
      makes no sense what Innovis is saying) You provided a letter prepared by
      ******* *********** dated 1/30/2024. The California Secretary of State
      indicates ******* **********’s business license has been suspended as of 10/1/2020(This
      is an attorney certified by an authorized entity) Therefore, the business could
      not legally operate on the date referenced in the letter. You provided a letter
      prepared by *********, dated 1/16/2024. ********* is not a business registered
      with the California Secretary of State, nor is it a nonprofit or charitable
      organization registered with the California Office of the Attorney General or
      the United States Internal Revenue Service. Our research confirmed that this
      organization is also engaged in credit repair related activities. ********* is
      a non-governmental, faith based nonprofit organization funded privately by
      generous, compassionate donors who are dedicated to victims and survivors by
      supporting adult victims and survivors of sex and human trafficking. We provide
      resources that can help victims and survivors get the help they need with
      emergency housing, social services, job training, counseling, transportation,
      etc. Our goal is to raise awareness of this worldwide problem that has a
      profound effect on all communities which include amongst indigenous people.


      Consumer Financial Protection Bureau **** *** **** **** ***** **** ***** ***** *** **** Subject: Urgent Complaint Regarding
      Innovis's Noncompliance with Final Rule 1022.142(b)(6) and 1002.142(b)(2) Dear
      Sir/Madam, I am reaching out to bring to your immediate attention a serious
      matter of noncompliance by Innovis with the Final Rule, specifically sections
      1022.142(b)(6) and 1002.142(b)(2), which are critical to the protection of
      human trafficking survivors, such as myself. Despite my efforts in providing
      all mandatory documentation to Innovis for the purpose of blocking adverse
      credit report items as a result of being a victim of human trafficking, Innovis
      has not only disregarded my requests but has also repeatedly demanded
      additional documentation beyond what is legally required.


      The documentation I have submitted, which
      includes victim determination documents from an authorized non-governmental
      organization, a signed self-attestation statement, and proof of identification,
      should suffice under the current regulations. Innovis's persistent refusal and
      the consequent denials of my dispute have effectively denied me the rights
      provided by the Final Rule. I urge the CFPB to take swift and decisive action
      to investigate this matter and to enforce compliance by Innovis, ensuring that
      the adverse items resulting from human trafficking are blocked from my credit
      report as per the law. I insist that this case remain open until Innovis has
      rectified their noncompliance and the adverse items have been removed from my
      credit report. I await your prompt intervention and resolution in this matter.
      Thank you for your attention and assistance.

      Sincerely, ******* * ******** Preferred Contact Method: Email: *************************** Phone:
      ###-###-####

      Attachments: Letter from attorney regarding trafficking Driver’s
      license Trafficking determination documents Social security card Bank statement
      (April 06, 2024) Credit report items linked to human trafficking (March 2024)



      Regards,



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

    • Initial Complaint

      Date:04/11/2024

      Type:Customer Service Issues
      Status:
      Answered
      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.
      Shortly after having my credit run I had several sleeper calls made to my phone. It is blatant this company has sold my information.

      Business Response

      Date: 04/15/2024

      **********


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


      *** *** ********
      ********* *** ********
      Please accept this response to the complaint we received regarding *** ******** on
      04/12/2024.


      We researched *** ********’s complaint and did not find any previous contact from him.
      Factual Data provides credit information from Consumer Reporting Agencies 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.


      After applying for a loan, the Nationwide Consumer Reporting Agencies (Equifax,
      Experian, and TransUnion) may sell a consumer’s information so that the consumer can
      be offered supplementary or competing offers from other creditors. Factual Data does
      not sell consumer information for marketing purposes. To opt-out of this practice for the
      future, Mr. ******** can make that request at www.optoutprescreen.com or by calling
      ###-###-####.


      If he has additional concerns, he may contact us at ###-###-####, Monday through
      Friday 8 am – 7 pm ET, by mail at ** *** ****** ******** ** *****, or by fax at ****
      *********


      Sincerely,
      Consumer Assistance

    • Initial Complaint

      Date:04/08/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      Hello I have filed this before with all three credit bureaus I have files I have disputed this issue in regards to this matter that I never gave anyone authority or anyone permission to have access or any open accounts under my name I've also filed an identity theft before in the past I had some copies and I've also requested for it to get removed from my account credit report immediately it's affecting my credit I would like it to be removed as soon as possible this is not the first time I have complained about this issue this is not mine it doesn't belong to me and I never gave anyone authority to do so

      Business Response

      Date: 04/12/2024

      Please accept this response to the complaint we received regarding ***** ********* on
      04/08/2024.

      We researched ***** *********’s complaint and did not find any previous contact from
      her. We attempted to call her on 04/09/2024, 04/10/2024, and 04/11/2024 regarding her
      complaint but were unable to reach her.

      Our records indicate that our client, ****** ******* ****** *****, accessed a
      copy of her credit report on 07/23/2023. Their contact information is listed below. For
      more information about this inquiry and why they accessed a copy of her credit report,
      she may contact our client directly.

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

      If she would like to dispute the inquiry, she may contact us at ###-###-####, Monday
      through Friday 8 am – 7 pm 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 for lending purposes.

      Sincerely,

      Consumer Assistance

    • Initial Complaint

      Date:04/04/2024

      Type:Billing Issues
      Status:
      Answered
      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 is in regards for a Request for disputes in regards to my Innovis credit report I would like to have submitted. I am attaching a detailed letter/dispute letter a copy of my License and a copy of my SSC to process my requests. Thank you.

      Business Response

      Date: 04/10/2024

      In
      your complaint, you request that personal information be removed from your
      Innovis Credit Report.

      In response to
      your complaint:
      -The following information has been removed from your Innovis Credit Report:
      --The addresses **** ********* ***** ** ***** and *** **** ** ** **** ****
      --The phone number ###-###-####
      -The phone number, ###-###-####, is not on your Innovis Credit Report. In order for us to add this information to your Report, please provide us with a recent copy of your phone bill.
      -The email address you entered when you created your Innovis.com account is **********************. You may change the email address associated with your account once logged in by clicking “Edit ?,” next to “My Profile.”

      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.

    • Initial Complaint

      Date:03/12/2024

      Type:Service or Repair Issues
      Status:
      Resolved
      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.
      a credit check was ran on me with out my permission I have sent letters requesting the removal and no response and I am sending a second one. I would like it removed

      Business Response

      Date: 03/18/2024

      *********************
      Please accept this response to the complaint we received regarding ******* ***** on 03/13/2024.

      We contacted Ms. ***** on 03/14/2024, regarding her complaint. During the conversation, we explained that our client, ****** ***** ******** ********, accessed a copy of her credit report on 01/22/2023. Ms. ***** stated she was familiar with the client and did not want to dispute the inquiry with us until she reviewed further and stated she would call us back. We have not received a return call from Ms. *****. We attempted to call her back on 03/15/2024 and 03/18/2024 to confirm if she needed any additional assistance, but we were unable to reach her.

      Factual Data provides credit information from Consumer Reporting Agencies 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: 03/18/2024

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



      Regards,



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

    • Initial Complaint

      Date:02/29/2024

      Type:Billing Issues
      Status:
      Answered
      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 no longer have to pay child support, my monthly is $0, and I owe nothing. The account based on ******** laws should be removed from my credit report.

      Business Response

      Date: 03/01/2024

      In
      your complaint, you request that information be removed from your Innovis
      Credit Report.

      In response to
      your complaint:
      -Innovis does not have public records, such as child support orders or judgements, on our Credit Reports.
      -Per the Driver’s License you provided, the incorrect date of birth ********** has been removed from your Innovis Credit Report.

      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.

    • Initial Complaint

      Date:01/18/2024

      Type:Customer Service Issues
      Status:
      Answered
      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've become a victim of identity theft, discovering unauthorized transactions and suspicious activities associated with my identity. Although I've taken the step of filing a police report, I require assistance to resolve this issue. My goals include recovering my financial losses, clearing my name, and seeking your help in removing this unauthorized inquiry from my credit report. Your support in this matter would be greatly appreciated.
      -------------------------------* ******************
      Inquiry: Jan. 26, 2023

      Business Response

      Date: 01/25/2024

      ***************
      Please accept this response to the complaint we received regarding ****** ****** on 01/18/2024.


      We researched Mr. ******’ complaint and did not find any previous contact from him. We attempted to call him on 01/19/2024, 01/22/2024, and 01/23/2024 regarding his complaint but were unable to reach him.


      Our records indicate that our client ******************* accessed a copy of his credit report on 01/26/2023. In response to his complaint and ID Theft Report we disputed the inquiry with the Consumer Reporting Agencies (CRAs).


      Additionally, we disputed the personal information and account information referenced in his supporting documents with the Consumer Reporting Agencies (CRAs) on his behalf.


      In addition, Mr. ****** lists other inquiries not made by clients of Factual Data. He will need to contact those companies directly for additional information or to dispute those inquiries.


      Results and correspondence regarding his dispute will be mailed directly to him.


      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,
      Consumer Assistance

    • Initial Complaint

      Date:12/28/2023

      Type:Customer Service Issues
      Status:
      Answered
      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 identified transactions are
      not information related to any transaction by me as the
      consumer: **** I've also included a picture showing where Truist
      claims to have told all of the credit reporting agencies to
      remove the account and cease the reporting of the inaccurate information. However, Innovis states the account
      has been verified. They have refused to delete and remove the inaccurate reporting. Innovis
      is in clear violation and violating my consumer rights as well
      as violating FCRA guidelines.

      Business Response

      Date: 01/02/2024

      In
      your complaint, you request that information be removed from your Innovis
      Credit Report.  

      In response to
      your complaint:
      -Innovis initiated a dispute with Truist Bank, asking that they verify the accuracy and completeness of their account ending #****.
      -Innovis is not affiliated with other Consumer Reporting Agencies, such as Equifax, Experian, and TransUnion, and cannot respond on their behalf.

      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.

    • Initial Complaint

      Date:12/26/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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 identified transactions are
      not information related to any transaction by me as the
      consumer: **** I've also included a picture showing Tomo
      claims to have told all of the credit reporting agencies to
      remove the inaccurate late payments on this account and update it to Current and Never Late. However, Innovis states the account
      has been verified. They have refused to update the payment history and remove the inaccurate late payments. Innovis
      is in clear violation and violating my consumer rights as well
      as violating FCRA guidelines.

      Business Response

      Date: 12/28/2023

      In
      your complaint, you request that information be removed from your Innovis
      Credit Report. You also claim Innovis previously stated the account has been
      verified, and refused to update inaccurate information.

      Per
      your previous request, received 3/3/2023, Innovis removed information from your
      Innovis Credit Report as a result of the ID Theft Report you provided. The Tomo
      Credit account referenced in your complaint was not included in the request
      received 3/3/2023. Additionally, an updated copy of your Report was mailed to
      your current address, dated 3/27/2023. The Report shows the Tomo Credit account
      you dispute is not currently on your Innovis Credit Report.

      In response to
      your complaint:
      The Tomo Credit account you dispute is still not on your Innovis Credit Report.
      Innovis is not affiliated with other Consumer Reporting Agencies, such as Equifax, Experian, and TransUnion, and cannot respond on their behalf.

      The investigation results,
      which include an updated copy of your Innovis Credit Report, have been mailed
      to you separately.

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

    Factual Data, Inc. is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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