Business Profile

Credit Reporting Agencies

Factual Data, Inc.

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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

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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:12/15/2023
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.
I have fallen victim to identity theft, with unauthorized transactions and suspicious activities tied to my identity. Despite filing a police report, I am in need of assistance to resolve this issue. My primary goals are to recover my financial losses, clear my name, and seek your guidance in removing this inquiry from my credit report. I am hopeful that you can assist me in navigating through this challenging situation.
-----------------------------
********** **********
Business Response
Date: 12/20/2023
Better Business Bureau
1169 Dublin Rd.
Columbus, OH 43215
Re: *********** ****** ***********
Complaint ID: ********
Please accept this response to the complaint we received regarding *********** ****** *********** on 12/15/2023.
We contacted Mr. *********** on 12/15/2023, regarding his complaint. During the conversation, we explained that our client, **** ******** *** **, accessed a copy of his credit report on 11/08/2023 and 03/27/2023. Mr. *********** stated he was familiar with the client and did not want to dispute the inquires.
Additionally, the other inquiries mentioned in his complaint were not made by clients of Factual Data. To dispute these inquiries, he will need to reach out to those companies directly.
Lastly, per our conversation with Mr. *********** on 12/15/2023, we disputed personal information and an account information with the Consumer Reporting Agencies (CRAs) on his behalf. Results of the investigation will be mailed directly to Mr. ***********.
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:12/08/2023
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 have fallen victim to identity theft, encountering unauthorized transactions and suspicious activities associated with my personal information. I have already filed a police report, but I am seeking assistance to address this issue. My primary objectives are to recover the financial losses, restore my reputation, and request your support in removing the fraudulent inquiry from my credit report. Your guidance in resolving this matter would be greatly appreciated.
FACTUAL DATA 08/23/2023
Business Response
Date: 12/13/2023
In
your complaint, you request that information be removed and updated on your
Innovis Credit Report.

Innovis
has no record of you contacting us by mail, phone, or online, prior the
complaint received 12/8/2023, to dispute information on your Report or request
a free copy of your Report.

In response to
your complaint:
-Per the ID Theft Reports you provided, the following information has been removed from your Innovis Credit Report:
-********* **** account ending #****
--The addresses **** ***** *** **** ***** **, and **** ***** *********
--The names **** ********* and **** * *********
--The phone numbers ###-###-#### and ###-###-####
-The name, address, Social Security Number, and date of birth on your Innovis Credit Report reflect what you provided in your complaint.

All of the other information referenced in your complaint is not on
your Innovis Credit Report. 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:11/08/2023
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.
*ATTN CFO INNOVIS attachment included

Current name: ** *** *****
Former name: ******* ****** *******
Business Response
Date: 11/09/2023
In
your complaint, you request that personal information on your Innovis Credit
Report be updated.

Innovis
has no record of you contacting us, prior to the complaint received 11/8/2023,
to request that your new name be added to your Innovis Credit Report.

In response to
your complaint:
-** *** ***** is now the only name listed on your Innovis Credit Report.
-1** * *** * **** *** is now the only address listed on 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.
Customer Answer
Date: 11/14/2023
I accept the business's response to resolve this complaint please include a copy of my consumer report of the changes mailed to me thank you.
Regards,

** *** *****
Initial Complaint
Date:10/25/2023
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.
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100% accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Business Response
Date: 10/31/2023
In
your complaint, you claim that Innovis ignored a previous request from you.

Per
your previous request, received 10/19/2023, Innovis initiated disputes with the
following creditors, asking that they verify the accuracy and completeness of
their accounts:
-****** ***** ******** *********** account ending #****
-***** ******* **** account ending #****
-************** *** account ending #****
-********* **** ** account ending #****
- ******** ******** account ending #****
-***** ***** **** ******** account ending #****
-**** ** ******* account ending #****
-******** ******* ****** account ending #****
-********* ** account ending #****
- ****** ****** ***** account ending #****
-********* ******** *** account ending #****
-****** **** account ending #****
-***** ***** **** account ending #****
- ******** ******* ****** ***** account ending #****

In response to
your complaint, dispute investigations generally take up to 30 days. As
of 10/31/2023, we have not yet received a response from all creditors. Upon
completion, the investigation results will be mailed to you separately.

Please visit our Learning Center on Innovis.com for more information
regarding your Innovis Credit Report.
Initial Complaint
Date:10/25/2023
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 recently discovered an unauthorized inquiry on my credit report dated [Jan. 12, 2021]. I did not give consent for this inquiry and have no prior dealings with the business in question. I have contacted the creditor regarding this matter, but there has been no response from their side. Please investigate and remove it from my credit report promptly.
Business Response
Date: 10/27/2023
In
your complaint, you request that an inquiry be removed from your Innovis Credit
Report.

Innovis
has no record of you contacting us by mail, phone, or online, prior to the
complaint received 10/25/2023, to dispute information or request a free copy of
your Innovis Credit Report.

In response to
your complaint, the inquiry you reference is not on your Innovis Credit Report.
The investigation results have been mailed to you separately.

Please visit our Learning Center on *********** for more information
regarding your Innovis Credit Report.
Initial Complaint
Date:10/24/2023
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.
I would like to be able to access my Innovis.com online account. I've sent multiple letters requesting to add my Phone Number directly to my online profile so I can be able to log on, as it's asking for my phone number manually and not allowing me to use it, even though my phone is postpaid and under my name. I've sent in my phone bill numerous times, with ID, social, utility bill, etc. I'm simply requesting for Innovis to add my phone number of ###-###-#### to my online profile itself so the number is generated upon logging in, so it can prompt me for a code, and I don't have to manually enter my number.. Please check internal files to see how many times I've requested this to be done . My username is ************** . Thank you.
Business Response
Date: 10/27/2023
In
your complaint, you express that you would like to be able to log in to your
Innovis.com account.

In response to
your complaint:
-The phone number in your complaint, ###-###-####, is already on your Innovis Credit Report.
-For the security of consumer information, we have implemented several controls on our website for accessing an account, including (but not limited to) 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 – ****************
-Your Innovis Credit Report does not currently contain any accounts.

Please visit our Learning Center on Innovis.com for more information
regarding your Innovis Credit Report.
Customer Answer
Date: 10/27/2023
they fixed this issue for me in the past — I understand that my number is on my report itself but I want it to be listed as a phone number on my online login — please see screenshot this page used to have a selection of phone numbers to select. I’m asking for you to add it so it’s already on file because it’s not working but it should be working. Please fix this so I can monitor my report online.
Regards,

****** *********
Business Response
Date: 10/31/2023
We are pleased to see
that you were able to login to your account today. You currently have no
accounts on your Innovis Credit Report. If you’d like to prevent new creditors
from accessing your Innovis Credit Report, you may want to add a Security
Freeze. A Security Freeze may help you combat fraudulent activity by preventing
new creditors from accessing your credit report. For more information about the
rights you have, please visit our website at www.innovis.com.
Customer Answer
Date: 10/31/2023
I accept the business's response to resolve this complaint.

Regards,

****** *********
Initial Complaint
Date:10/19/2023
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 found out that Factual Data, Inc./ Innovis has been supplying my personally identifiable information to 3rd parties without my knowledge or my consent. In accordance with the fair credit reporting act, these companies have violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Factual Data, Inc/ Innovis. is supplying the following accounts with inaccurate data every month. Showing on my consumer reports are balances on closed accounts, negative remarks and status, "No Info", missing and incorrect dates, inaccurate payment history and more. Stop reporting this inaccurate information and Delete these accounts now. A violation on my consumer report are Late Payments, that are illegal- 15 U.S.C. 1681a(2)(A)(i): Definitions; Rules of Construction. 2- Exclusions. Transactions/ Late Payments are not to be included in the consumer report/ consumer file. Inaccurate Accounts* ********* ******** ********************** ******** ******************************* ******** ****** **************** *** ******* ****** *******************. 15 U.S.C. 1666b: Timing of payments states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also, Factual Data, Inc./ Innovis has violated 15 U.S.C. 1666(b)(4) Correction of billing errors/ Billing Error: States that the creditor’s failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor... It is also against the law for Innovis/ Factual Data, Inc. to make any consumer report containing Any Adverse Item of Information IAW 15 U.S.C. 1681c (a)(5): Information excluded from consumer reports. I wrote this complaint by myself/no 3rd party help.
Business Response
Date: 10/26/2023
In
your complaint, you request that Innovis stop sharing your information. You
also request that information be removed from your Innovis Credit Report.

Innovis
has no record of you contacting us, prior to the complaint received 10/19/2023,
to 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 ****************
-We have permanently opted you out of any pre-screened offers of credit or insurance. You will receive an Opt Out Confirmation Letter separately.
-Innovis initiated a dispute with ********* ******** ***, asking that they verify the accuracy and completeness of their account ending #****.

Upon completion, the investigation results, which include a copy of
your Innovis Credit Report, will be mailed to you separately.

Please visit our Learning Center on *********** for more information regarding
your Innovis Credit Report.
Initial Complaint
Date:10/11/2023
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.
Update my address to **** * ***** ****** **** **** **** ***** ** ***** Delete all other addresses on file as they are not mines.

Additionally attached is my FTC identity theft report. By law under section 605 b all fraudulent activities which resulted in identity theft is by law is to be removed and blocked immediately.

Remove all reporting of these accounts:

** **** ****** ***** ************ **** ****** ******** ************* ****** ****** ****** ****** **** ******* ******
Send an updated copy of my credit report reflecting these changes.
Business Response
Date: 10/16/2023
In
your complaint, you request that the address on your Innovis Credit Report be
updated. You also request that fraudulent information be removed from your
Report.

In response to
your complaint:
-The address *** * *** * **** *** has been removed from your Innovis Credit Report.
-The following information was not deleted because it appears on proof documents submitted by you:
--The address **** *** * **** **** appears on the Driver’s License you provided with your complaint.
-The address you provide with your complaint, **** * ***** ****** ****, is not on your Innovis Credit Report. In order for us to update this information on your Report, please provide proof of this address with a Driver’s License, recent Utility Bill, Bank Statement, or Credit Union Statement that includes your full name and current address. You may mail this information to the address below:

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

Per the FTC ID Theft Report you provided, the following information has been removed from your Innovis Credit Report:
-** **** ** account ending #****
-******** *************** ****** account ending #****
-** **** ********** ****** account ending #****

All of the other information referenced in your complaint is
not on 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:08/18/2023
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.
I did not authorize Factual data to run my credit for anything on 12/19/2022. I reached out for an authorization from them and they did not provide me with one .
Business Response
Date: 08/23/2023
Please accept this response to the complaint we received regarding
Mr. ******* on 08/18/2023. We contacted him by phone on 08/21/2023 to discuss his
concerns.

Our records indicate that our clien** ***** *******,
accessed a copy of ********* *******’s credit report on 12/19/2022. Their contact
information is listed below. In response to our conversation, we have disputed
this inquiry with the Consumer Reporting Agencies (CRAs).

***** *******
***** ******** ***** **** *********
************* ** *****
###-###-####
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. Factual Data does not
maintain a database of consumer information.

Sincerely,

Consumer Assistance
Initial Complaint
Date:08/12/2023
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 have multiple accounts reported by Innovis that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested Innovis to reinvestigate these accounts:

**** ** ******* ***************** ******* *********** ******* **************** ******* *********** ******* ****************
However, Innovis has stated that everything was complete and accurate. How is that possible if these accounts have been DELETED from my Equifax report? According to 15 USC 1681i(5), they are supposed to modify or DELETE accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions
15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These accounts also are not in compliance with Metro 2 credit reporting. I have attached evidence to prove my case.

I am demanding that Innovis DELETE these accounts from my reports and cease their reporting.
Business Response
Date: 08/22/2023
In
your complaint, you request that information be removed from your Innovis
Credit Report.

Per your previous complaint, received via the CFPB on
8/12/2023, the accounts referenced in your current complaint are already under
dispute.

In response to
your complaint:
-**** ** ******* conducted their own investigation and certified the accuracy and completeness of their account ending #**** on 8/16/2023. As of 8/22/2023, we have not yet received a response from ***** ******* ***** Upon completion, the investigation results will be mailed to you separately.
-This is the sixth time Innovis has disputed these accounts. In all of the previous disputes, each of the creditors certified the accuracy and completeness of the account information. If you have any documentation that supports your dispute, you may provide it to us using the address below.
-If the reinvestigation process with your creditors 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, you may send the information to the address below.
Innovis is not affiliated with Equifax and cannot respond as to why they may have removed information from you Equifax Credit Report.
-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 ****************
-You reference Section 604(a)(2) of the Fair Credit Reporting Act (FCRA), which permits a consumer reporting agency to furnish a consumer report at the written request of the consumer. However, that is not the only section that authorizes a consumer reporting agency to furnish a consumer report. Section 604(a) lists several scenarios where a consumer reporting agency may provide a consumer report to a third party, including in connection with a credit transaction (Section 604(a)(3)(A)).

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

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

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