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

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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:10/26/2022

      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.
      Company is reporting false information about me that is violating my rights.

      I have only lived at one residence for the past 22 years: *** ****** **** ******* *** *****. All other addresses need to be removed from my consumer report immediately.

      I have also only worked at one place of employment since 2003: ****** ********** ********** 
      All other places of employment need to be removed immediately.

      I have only one phone number ###-###-####. All other phone numbers need to be removed immediately.

      Enclosed please find an old Drivers License with my address and a current one.

      Business Response

      Date: 11/02/2022

      In
      your complaint, you request that information be removed from your Innovis
      Credit Report. Your complaint also referenced an attachment, but one was not
      provided.

      Innovis emailed you a link to provide any documentation
      with your complaint. You provided a Driver’s License.

      In response to
      your complaint:
      -The phone numbers ###-###-#### and ###-###-#### have been removed from your Innovis Credit Report.
      -The address you provided, *** ****** **, is currently the only address on your Innovis Credit Report.
      -Innovis does not list employers in its Credit Reports.

      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: 11/02/2022

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


      Regards,



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

    • Initial Complaint

      Date:10/23/2022

      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.
      I AM UNABLE TO PLACE A SECURITY FREEZE FROM INNOVIS WEBSITE, THE WEBSITE IS PROMPTING ME TO SEND A LETTER, I HAVE SENT THIS COMPANY NUMEROUS LETTERS, THEY ARE REFUSING TO RESPOND.

      Business Response

      Date: 10/31/2022

      In
      your complaint, you request that a Security Freeze be placed on your Innovis
      Credit Report. You also state that Innovis did not respond to your previous
      requests.

      In response to
      your complaint:
      A Security Freeze has already been placed on your Innovis Credit Report, per your previous request initiated on Innovis.com on 11/12/2019. The address you entered when the Security Freeze was placed, *** ***** ******** *** ****, was not on your Innovis Credit Report at that time. We requested proof of your address in our letter dated 11/12/2019.
      Innovis received the W2 you sent us as proof of your address on 4/12/2021. Subsequently, we mailed you a Security Freeze Confirmation Letter, containing your 10-digit Security Freeze PIN, in our mailing dated 4/16/2021.
      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 Confirmation Letter and a new Security Freeze PIN to a verified address. 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 link that was emailed to you.
      Innovis also responded to your previous requests, asking that you provide us with proof of your current address in our letters dated 12/5/2019, 12/27/2019, 3/20/2021, and 8/15/2022.

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

    • Initial Complaint

      Date:10/23/2022

      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.
      Innovis has blocked my ability online to review and obtain my consumer profile information. Additionally the information I received by mail has an inaccurate name I do not use. Repeated Data entry issues such as misspellings and inaccurate account information needs to be corrected and updated.

      Business Response

      Date: 10/31/2022

      In
      your complaint, you state that Innovis has blocked you from logging in on
      Innovis.com. You also request the removal of an incorrect name.

      In response to
      your complaint:
      Your Innovis.com account was locked due to the maximum number of failed login attempts being reached. Your account has been unlocked, and you may try logging in again. If you do not remember your password, please visit innovis.com/userAccount/forgotPasswordRequest to reset it.

      The name ******* * ******** 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.

      Customer Answer

      Date: 11/01/2022

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


      Regards,



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

    • Initial Complaint

      Date:10/15/2022

      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 have reached out to this company in regards to the information they are reporting over the last 12 months. They have not responded and I have tried to correct this with them multiple times. I never gave them permission to report anything about me and did not provide any written consent for them to utilize my information. They have ignored me and caused me to be denied based on their reporting. I want these items removed immediately from my report

    • Initial Complaint

      Date:09/11/2022

      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.
      On August 26, 2022, I received a copy of my consumer report through Innovis and discovered 2 accounts that were not mine. I am not liable for these accounts from ******* **** ******** and **** ******* ****** *****. I do not have a contract with either institution for these accounts nor have they provided me with an original application to to the accounts as requested.

      Business Response

      Date: 09/19/2022

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

      Innovis received the complaint you submitted to the Better Business Bureau, reference number
      ********, on 9/12/2022. In your complaint, you request that information be removed from your
      Innovis Credit Report.

      Per your previous request, initiated on Innovis.com on 9/9/2022, Innovis initiated disputes with the
      following creditors, asking that they verify the accuracy and completeness of their accounts:
      • ******* **** ******** account ending #****
      • **** ******* ****** ***** account ending #****

      In response to your complaint:
      • As of 9/19/2022, ******* **** ******** conducted their own investigation and certified the
      accuracy and completeness of account ending #0732. We have not yet received a response from
      **** ******* ****** *****.
      • 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. Innovis provides creditor contact information in the investigation
      results that we send out.
      • The mailing address you provided, ***** ******** **** ** ***** ********* ** *****, is not on
      your Innovis Credit Report. To protect your information, we will only send your investigation
      results to a verified address. 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 to the mailing address
      listed below, or by using the link that was emailed to you. After proof of your address is
      received, the investigation results will be mailed to you separately.

      If you have additional documentation that supports your dispute, you may provide it to Innovis by mail,
      or online if the dispute is initiated on Innovis.com.

      Lastly, please use the following information to contact us directly for further assistance:

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

      If you have any questions or concerns, you may contact our Consumer Assistance Department at ############. Representatives are available to assist you Monday through Friday, 8:00am to 8:00pm ET.

      We appreciate this opportunity to serve you.

      Sincerely,

      Innovis Consumer Assistance

    • Initial Complaint

      Date:08/24/2022

      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 did not give factual data permission to inquiry my credit report. Please remove all inquiry's from my credit reports.

      Business Response

      Date: 08/30/2022

      Please accept this response to the complaint we received regarding
      Mr. ****** on 08/25/2022. We researched the consumer’s request through our
      processing system, and were unable to locate any previous correspondence or
      contact from Mr. ******. We contacted Mr. ****** by phone on 08/30/2022 to
      discuss his concerns.    

      Our records indicate that our client* ****** ********* ***, accessed
      a copy of Mr. ******** credit report on 10/14/2021 and 09/29/2020. Per our
      conversation, we disputed these inquiries 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:08/19/2022

      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.
      Please be advised that this is my last attempt to resolve this matter as my next step is to pursue LEGAL ACTION The following 12 Accounts consist of unverifiable, inaccurate and inconsistent information on my credit report. Remove/delete from report immediately. ONLY PROVIDE COMPLAINT RESULTS BY WRITTEN CORRESPONDENTS THROUGH MAIL, not email or phone.


      I am requesting that Innovis remove eleven (11) accounts from my credit report as they display unverifiable information & numerous inaccuracies/inconsistencies and multiple violations of my rights.

      Also, I am requesting that Innovis REMOVE LATE PAYMENTS.from ONE (1) account and REMOVE all inaccurate information that is currently displayed on my credit report.

      Innovis has violated my rights and the law by refusing to remove these unverified & inaccurate account Information and inaccurate personal information along with furnishing such information without my written consent. I also have a legal right to privacy and demand that all of these issues be addressed immediately

      ONLY PROVIDE COMPLAINT RESULTS BY WRITTEN CORRESPONDENTS THROUGH MAIL.

      Business Response

      Date: 08/26/2022

      Our response to the consumer's complaint is attached. A copy of our response has also been mailed to the consumer at the address they provided.

    • Initial Complaint

      Date:08/07/2022

      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.
      Hey this is ******* ******** and I am submitting this complaint to Innovis about unauthorized information on my credit report. To avoid any legal proceedings, please review the attached documentation and delete all unauthorized data immediately, thank you for your compliance.

    • Initial Complaint

      Date:07/27/2022

      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 refusing to remove a negative account (**** ***** ******) stating the account has been verified. However, **** ***** ****** claims to have told all of the credit reporting agencies to remove this account. Innovis has refused to remove it. I've attached screenshot where **** states they've told all of the Credit Reporting Agencies to remove the account. Innovis is in clear violation and violating my consumer rights as well as violating FCRA guidelines.

      Business Response

      Date: 08/01/2022


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


      Innovis received the complaint you submitted to the Better Business Bureau, reference number ********, on 7/26/2022. In your complaint, you request that an account be removed from your ******* Credit Report.


      In response to your complaint, we conducted an internal investigation and have removed **** ***** ****** ******* account ending #**** from your ******* Credit Report. The investigation results have been mailed to you separately.


      Lastly, please use the following information to contact us directly for further assistance:
      ******* ******** ********** ** *** ******
      ******** ** *****


      If you have any questions or concerns, you may contact our Consumer Assistance Department at ###-###-####. Representatives are available to assist you Monday through Friday, 8:00am to 8:00pm ET.


      We appreciate this opportunity to serve you.


      Sincerely,
      Innovis Consumer Assistance

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

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