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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:08/10/2023

      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.
      Factual Data is an unauthorized inquiry which is reported in my credit report. I have not reached out to any of their branches for any reasons. Thus, the company have violated my right and I want their company's name to be removed.

      Business Response

      Date: 08/16/2023

      ************
      Dear ********* ***********

      Please accept this response to the complaint we received regarding
      Ms. ***** on 08/10/2023. We researched the consumer’s request through our
      processing system, and were unable to locate any previous correspondence or
      contact from Ms. *****. We attempted to contact her by phone on 08/14/2023 and
      08/15/2023 to discuss her concerns, but were unable to reach her.

      Our records indicate that our client* ******** ********* *********, accessed a copy of Kimberlyharper *****’s credit report on 07/28/2023.
      Their contact information is listed below. If she would like to dispute this
      inquiry, she may contact us as ###-###-####.

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


      Sincerely,

      Consumer Assistance

    • Initial Complaint

      Date:08/10/2023

      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.
      ******* is refusing me access to my account! I need access to my account, that is my information and I am legally supposed to be able to view what ******* is reporting.

      Business Response

      Date: 08/17/2023

      In
      your complaint, you claim ******* has refused to provide you with access to
      your *******.com account. You request to see the information currently
      reporting on your ******* Credit Report.

      Per
      your previous requests, ******* has provided you with a free copy of your
      ******* Credit Report on the following dates:
      -8/24/2021
      -12/15/2021
      -1/11/2022
      -7/21/2023
      -8/10/2023

      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 *******.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 ******* Credit Report without logging in by using the following links:
      --Place or Manage an Existing Security Freeze – (link redacted)
      --Place a Fraud or Active Duty Alert –  (link redacted)
      --Order Credit Report –  (link redacted)

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

    • Initial Complaint

      Date:07/17/2023

      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.
      I’m unable to log in to my account I received the verification code but it not accepting it I’m getting a error message…

      My name is ******* ******* ***** **** ****** *** ** ********* ***** *****

      I can’t log in this is the second time

      Business Response

      Date: 07/24/2023

      In
      your complaint, you explain that you are unable to log in to your Innovis.com
      account.


      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 – *******************************************

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

      Customer Answer

      Date: 07/25/2023

      they. Fixed this before and now they are telling me I have to do everything by mail and I’m handicapped and I can’t leave my house 24/7 

      This is technically problem they can fix I was able to log in the past and my phone number is 4 years old 

      Regards,


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

    • Initial Complaint

      Date:06/22/2023

      Type:Customer Service 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.
      Hi,

      I’m needing some help getting back into my online Innovis account. When I try to login, it says that they can’t verify my identity and to call. When I call, they just tell me that their website hasn’t been working for months, but I don’t think that is what the problem is. Can someone help me to get back in? I’d really like to be able to manage my account like I could before so I can keep an eye on my credit/manage freeze status.

      Username: ***********

      Business Response

      Date: 06/29/2023

      In
      your complaint, you explain that you are unable to access your Innovis.com
      account.

      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 *********** account may be submitted by phone or mail using the contact information provided below. Additionally, you may manage your Security Freeze, Fraud Alert, or order a free copy of your Innovis Credit Report without logging in by using the following links:
      -Place or Manage an Existing Security Freeze – ********************************************
      -Place a Fraud or Active Duty Alert – ***************************************************
      -Order Credit Report – *******************************************

      Phone: ###-###-####
      Mail: ******* ******** *********** ** *** ******* ******** ** *****

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

      Customer Answer

      Date: 06/29/2023

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

      If they can’t help me with getting access to my online account, can they please delete my online profile so that it doesn’t exist.  If I can’t sign in, I’d rather not have a working username and password that might some day work again.  



      Regards,



      ****** ***

      Business Response

      Date: 07/05/2023

      Innovis called you and sent an email
      on 6/30/2023, asking you to try logging in again. Our records indicate you successfully
      logged in on 7/2/2023.

      We hope this has resolved your complaint. If not, please reach out to
      us again. We would be happy to help you at ###-###-####.

      Customer Answer

      Date: 07/06/2023

      Thanks for your help.  I got a reply from **** *** by email, and because it was a holiday I missed her call.  It looks like I can successfully login to your website again, like you said.   Thank you for your help, I appreciate it b/c I’ve been worrying about identity theft recently.  

      Thanks again,

      Tanner 

    • Initial Complaint

      Date:05/26/2023

      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.
      Despite sending a letter on March 17, 2023, requesting a copy of my Consumer Disclosure Report, I have not received any response or observed any efforts from Innovis Consumer Assistance to resolve the issue.

      Business Response

      Date: 05/26/2023

      In
      your complaint, you claim that Innovis did not provide you with a copy of your
      Innovis Credit Report per your request.

      Per
      your previous request, received by mail on 3/23/2023, Innovis mailed a free
      copy of your Innovis Credit Report to your current address in our letter dated
      3/23/2023.

      In response to
      your complaint:
      -Innovis has no record of you contacting us by phone, mail, or online, prior to the complaint received 5/26/2023, to inform us that you did not receive your Report, or to request another free copy.
      -Another copy of your Innovis Credit Report has been mailed to your current address. You may expect your Report to arrive within 7 to 10 business days.

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

    • Initial Complaint

      Date:05/07/2023

      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 am not liable for this debt with Factual Data and do not have a contract with Factual Data, They do not provide me with the original application like I asked.

      Business Response

      Date: 05/15/2023

      Please accept this response to the complaint we received regarding
      Mr. ****** on 05/08/2023. We researched the consumer’s request through our
      processing system, and were unable to locate any previous correspondence or
      contact from Mr. ******. We attempted to contact him by phone on 05/09/2023,
      05/10/2023, and 05/11/2023 to discuss his concerns, but were unable to reach him.

      Our records indicate that our client, *** ******** ******* * *********, accessed a copy of Brian ******’s credit report on 02/22/2022. Their
      contact information is listed below.

      *** ******** ******* * *********
      ***** ****** ***** ***** ***
         ******* ** *****
         ###-###-####
      In the complaint we received, Mr. ****** mentioned that he
      has a debt with Factual Data. Factual Data is a Consumer Reporting Agency (CRA)
      that assembles and merges information contained in the database of another CRA
      for our clients. These clients include banks, mortgage companies, and other
      lending institutions. Factual Data is not a creditor and we do not maintain a
      database of consumer information. Therefore, Factual Data does not hold any
      debts for any consumers. If there is information appearing inaccurately on his
      Factual Data credit report that he would like to dispute or if he has questions
      or concerns regarding information provided in this letter, he can contact us at
      ###-###-#### between 8am and 7pm EST, Monday through Friday.

      Sincerely,

      Consumer Assistance

    • Initial Complaint

      Date:03/21/2023

      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.
      It has come to my knowledge that 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. 15 USC 1681 section 602 a states I have a right to privacy. 15 USC 1681 section 604 A, section 2: it also states, a consumer reporting agency cannot furnish an account without my written instructions. 15 USC 1681C (a)(5) sections 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 USC 1681S-2 (A)(1): a person shall not furnish any information relating to a customer to any consumer reporting agency, if the person knows, or has reasonable cause to believe that the information is inaccurate.

      Business Response

      Date: 03/28/2023

      In your complaint, you request that your ******* Credit Report be deleted. You also claim that ******* does not have your permission to maintain or furnish a Credit Report for you. Additionally, you spoke with ******* by phone on 3/20/2023 and 3/21/2023, asking that we delete your ******* Credit Report. You did not identify any specific information which you believe is inaccurate or incomplete. In response to your complaint: -As a consumer reporting agency, ******* 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 ******* Privacy Notice on our website at www.innovis.com. -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)). -******* is not affiliated with other Consumer Reporting Agencies, including Equifax, Experian, and TransUnion, and cannot respond on their behalf. -A copy of your ******* Credit Report has been mailed to you recently dated 3/23/2023. Please contact us directly to dispute any information you believe is inaccurate or incomplete. Please be sure to identify the specific information you are disputing in your request. Please visit our Learning Center on *********** *or more information regarding your ******* Credit Report.

    • Initial Complaint

      Date:02/18/2023

      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.
      Refusing to do what is fair and equitable by providing me with a copy of my consumer report and adding a security freeze to my account even though I verified my identity several times

      Business Response

      Date: 02/28/2023

      In
      your complaint, you state that Innovis refused to place a Security Freeze on
      your Innovis Credit Report and send you a free copy of your Report.

      Per
      your previous request, initiated on Innovis.com on 2/7/2023, a Security Freeze
      was placed on your Innovis Credit Report. Per our letter, sent to your current
      address dated 2/7/2023, your address was not on your Innovis Credit Report at
      the time your Security Freeze was placed. Our letter explained that for your security,
      Innovis will only release your Security Freeze Confirmation Letter, which
      includes your 10-digit Security Freeze PIN, to a verified address.

      Additionally, you called Innovis on
      2/9/2023 to request a free copy of your Innovis Credit Report. Per your
      request, Innovis mailed the Report to the address you provided, **** * **** ** *** **** in our letter dated 2/11/2023.

      In response to
      your complaint, per the Driver’s License you provided, the address *** ******* ** *** * has been added to your Innovis Credit Report. You will receive your
      Security Freeze PIN and a copy of your Innovis Credit Report in a separate
      mailing. Your Security Freeze was still in effect prior to Innovis receiving
      proof of your address.

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

      Customer Answer

      Date: 03/08/2023

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


      Regards,



      ***** ******

    • Initial Complaint

      Date:01/31/2023

      Type:Customer Service 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.
      Working with a bank that uses Factual Data to run credit. The moment credit was ran for myself and my business partner, we both started receiving multiple phone calls and text messages from Mortgage companies that said they were alerted our credit was ran. It seems this is either one giant coincidence or Factual Data is selling information to all of these companies which is absolutely despicable. Requesting that the BBB research this to find out if this company is doing this and to get answers on how I stop it from happening again and also stop all of these calls and messages that I am now receiving throughout the day.

      Business Response

      Date: 02/06/2023

      Dear ***** *******:

      Factual Data received the complaint
      submitted to the Better Business Bureau (BBB), complaint ID ******** on 01/31/2023.
      We researched this request through our processing
      system, and were unable to locate any previous correspondence or contact from
      you.

      In the complaint we received, you
      mentioned receiving excessive phone calls after your credit report was accessed
      by our client. When a hard inquiry is made, the Nationwide Consumer Reporting
      Agencies (Equifax, TransUnion, Experian) may then sell that information to
      other companies so that those companies can contact you with competing or
      supplementary offers. This process is often referred to as the sale of Trigger
      Leads. Factual Data does not sell Trigger Leads.

      To prevent this
      from happening in the future, you can request to opt out of the firm offer
      lists which may contribute to unsolicited promotional offers by going to  ************************

      Factual Data provides
      credit information from the 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.  If you need additional help or information
      from Factual Data, please contact us at ###-###-#### during normal business
      hours (Monday- Friday 8 AM- 7 PM ET).

      Sincerely,

      Consumer Assistance

      Customer Answer

      Date: 02/06/2023



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


      Regards,



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

    • Initial Complaint

      Date:11/18/2022

      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.
      Despite my previous written requests for you to provide me with the name of the person in your company who verified that these disputed accounts are accurate and belong on my file along with copies of the documentation that they used to verify the accuracy of the items I disputed you ignored my right to request this information from you. Rather than complying with your duty to provide me with this information your repeated refusal to comply clearly demonstrates your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your boiler-plate responses to them.

      Business Response

      Date: 11/28/2022

      In
      your complaint, you request that information be removed from your Innovis
      Credit Report. you also request documentation regarding the information you
      have disputed.

      Per your
      previous request, Innovis initiated disputes with the following creditors,
      asking that they verify the accuracy and completeness of their accounts:
      -********* ** account ending #****
      -***** **** ******* ending #****
      -************ Credit Card ending #****
      *** **** *********t Credit ending #****
      -***** ***** ****** ******** ending #****

      In response to
      your complaint:
      -As of 11/28/2022, ***** **** *******, ************ Credit Card, and ** **** ********** ****** conducted their own investigations and certified that accuracy and completeness of the account information. We have not yet received a response from the remaining creditors. Upon completion, the investigation results will be mailed to you separately.
      -Please note that consumer reporting agencies like Innovis do not maintain original documents concerning your relationship with your creditors. You may contact your creditors directly to request those documents. Additionally, Innovis provides creditor contact information in the investigation results that we send out.

      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.

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