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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.

Reviews

This profile includes reviews 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 Review Ratings

    1

    Average of 10 Customer Reviews

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    Review Details

    • Gary K

      Date: 03/20/2025

      Gary K

      Date: 03/20/2025

      I tried to open an account in order to place a security freeze on my credit report. The site took all my data and apparently set up an account, but when I tried to login, there was a login error. I tried the "forgot your password or your logon" and the site again asked for my identifying information. After 3 attempts, I tried to create a new account. When I entered my phone number, it told me that number was already used!Then I called customer service. The representative seemed nice, but her speech was garbled so badly that I could just barely understand some of her words. I told her I would call back, and I did understand her to tell me they couldn't help with my login problems...This was a very discouraging experience from an agency that I'm apparently supposed to trust with my information!

      Factual Data, Inc.

      Date: 03/25/2025

      Thank you for the feedback, ****. I apologize for the difficulty you had on our website. I see that you were able to successfully complete your request using our automated telephone system. We called you and left a voicemail on March 24. Feel free to call us back if you'd like to discuss further.

    • Michelle S

      Date: 02/22/2025

      Michelle S

      Date: 02/22/2025

      This company made a hard inquiry on my credit report without any authorization. This is illegal!

      Factual Data, Inc.

      Date: 02/24/2025

      Factual Data provides credit information from Consumer ****************** (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. If you would like to know which of our clients accessed a copy of your credit report, please contact us by phone at ************ 8:00 am to 7:00 pm ET. You can also contact us by mail at ******************************* or by fax at ************.

    • Leah A

      Date: 11/08/2024

      Leah A

      Date: 11/08/2024

      I had the worst experience dealing with this company. My lender asked me to reach out to them regarding an old credit card and some questions they had. Not only did I wait on hold forever the representative I had was rude, difficult to work with and not helpful. I understand lenders have to do their due diligence but their are much better ways to go about it than putting customers through an experience like this.

      Factual Data, Inc.

      Date: 11/12/2024

      Factual Data provides credit information from Consumer ****************** (CRAs) to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purposed under the Fair Credit Reporting Act to obtain credit information for lending purposes. Customer and ********************** feedback is addressed and evaluated on a regular cadence.

    • Martin C

      Date: 04/22/2024

      Martin C

      Date: 04/22/2024

      My Escrow company asked me to deal with Factual Data. Got two dropped calls after talking to someone Lost almost 4 hours of my life.

      Factual Data, Inc.

      Date: 05/13/2024

      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 purposed under the Fair Credit Reporting Act to obtain credit information for lending purposes. Customer and consumer feedback is addressed and evaluated on a regular cadence.

    • Robert C

      Date: 03/27/2024

      Robert C

      Date: 03/27/2024

      This place is horrific. The company I am applying for a mortgage through is using them. They are getting half of their information wrong. So now I get to have conference calls with them and my current car loan company so that Factual Data can then tell my mortgage company what is currently owed. Why am I doing the work for them. How are they getting paid to say what I have already said and shown? They don't make any sense.

      Factual Data, Inc.

      Date: 04/19/2024

      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. Credit supplements are a product ordered by our clients which are used to update information on accounts that may not have been reported to the Nationwide Consumer Reporting Agencies at the time the credit report was requested. If you have questions about the credit supplement process, please reach out to your lender directly or our Office of Consumer Affairs Department at 888-803-6465.

    • Matt P

      Date: 12/12/2023

      Matt P

      Date: 12/12/2023

      They have people who said my loan was in default yet it could not have been bc Covid paused all loans and as a result I lost the house I was supposed to mortgage. These people are uneducated half wits.

      Factual Data, Inc.

      Date: 12/13/2023

      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.
      If there is inaccurate information on your Factual Data credit report, we will be happy to help you dispute it. Please contact us by phone at 877-237-8317 8:00 am to 7:00 pm ET. You can also contact us by mail at PO Box 530090 Atlanta, GA 30353 or by fax at 866-516-3502.

    • Kevin G

      Date: 11/29/2023

      Kevin G

      Date: 11/29/2023

      I'll tell every business I can to NEVER use Factual Data for credit checking. It was an instant reaction once my lender checked my credit. Factual Data sold my data and I was inundated by phone calls over and over, at least 20 times yesterday and more today. When these companies call, they are like mosquitoes looking for blood, and they don't stop calling multiple times a day even when you tell them to take your number off their list and tell them to STOP!!!! I don't know what it is that Factual Data is doing, but it is obviously something the company is doing to trigger this or you wouldn't be seeing the same complaint over and over again. Zero stars.

      Factual Data, Inc.

      Date: 11/30/2023

      Factual Data does not sell your information to any third party for marketing purposes. After applying for a loan, you may be contacted by other lenders or insurance companies soliciting your business. These lenders have obtained your information through the use of trigger leads, whereby an applicant’s information is sold by Equifax, Experian, and/or TransUnion for marketing purposes.

    • Ben W

      Date: 09/01/2023

      Ben W

      Date: 09/01/2023

      My bank recently used Factual Data for a credit report. Within 24 hours of them pulling my credit i received over 55 phone calls and 25 text messages from solicitors regarding "potential" loans. Clearly they sold my information. How this is even legal is beyond me. Would never recommend and frankly these guys should be put out of business with those types of shady business practices.

      Factual Data, Inc.

      Date: 09/06/2023

      Factual Data does not sell your information to other companies for marketing purposes. When a Factual Data customer requests a consumer’s credit file for an extension of credit, a hard inquiry is posted to the consumer’s credit file with the repositories (Equifax, TransUnion, and Experian). The repositories may sell consumer information under the Fair Credit Reporting Act to other companies for prescreened offers of credit. Those companies purchase lists to contact you with competing or supplementary offers. To opt-out of this practice with the repositories in the future, please visit optoutprescreen.com.

    • Joshua M

      Date: 11/18/2022

      They sold our data to other mortgage lenders. If you are not on the *** not call registry you will get over 40 calls before the end of the day.

    • Maggie R

      Date: 10/05/2022

      Maggie R

      Date: 10/05/2022

      First the name, data is data this is repetitive and redundant. More importantly this company calls you during business hours and the first thing they request is your SSN to verify your identity without any further information. They are pushy and rude and I'm still not clear that they aren't a company designed to sell your information if not outright steal your identity. They also are wanting to pull my credit again even though the bank I'm getting the loan from has already done so. Disgusting.

      Factual Data, Inc.

      Date: 10/13/2022

      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. Factual Data does not maintain a database of consumer information nor take part in the decisions of our clients to pull consumer reports. All access to consumer credit reports is in accordance with applicable law. Factual Data reaches out to consumers based on requests made by our clients. For the security of your information, we request the verification of identity of all consumers who we are in contact with regarding private credit information. Please contact us with any questions at ************ Monday Friday 8:00am-7:00pm ET.

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

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