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Business Profile

Credit Reporting Agencies

Informative Research

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Reporting Agencies.

Complaints

Customer Complaints Summary

  • 38 total complaints in the last 3 years.
  • 8 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:04/14/2025

    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.
    This company simply failed to take care of what their single job was to do. That is complete a rescore for mortgage company. My mortgage lender I chose to use utilized Informative research to run credit and supposedly do rapid rescores. Rescores typically take 2-3 days as most companies understand times of the essence, however this informative research took 5+ days to get the job complete and then not only did they wait 2 days to review mortgage company orders they also refused to to accept creditors receipt that clearly SOLD the debt to another company even if the original company name, original account number, original balance, and new paid off balance. They also begin to do unauthorized hard pulls that they could not explain as to why or who did the deed. My poor lender had to basically pull teeth to get things done and unfortunately they delayed one final rescore needed to close our deal so long we ended up going past our closing date and sellers walked away and we lost a few thousand bucks. Do not ever use this company if you want progress, accuracy, or quality.

    Business Response

    Date: 04/15/2025

    Ms. *******,

    Thank you for taking the time to share your experience with Informative Research (IR). We are sorry that you did not receive the results you were expecting from the rescore process.

    As a reseller of bureau services, IR must comply with bureau flow down guidelines in connection with the rapid rescore process. 

    A rapid rescore typically takes 3-5 days to complete, although the exact timeframe will depend on each unique situation. Time frame can also be affected by the time of the day requests are submitted to the as they operate on Eastern Standard Time. 

    Please keep in mind that score simulation reports that diagnose which actions may increase a your score are estimates only. It is not possible to predict credit changes with 100% accuracy because different lenders use different scoring models to calculate credit scores. 

    Unfortunately, the documents submitted for your rescore were deemed not acceptable as they did not meet bureau criteria for the following reasons: documents were: 1. form a third party, 2. had missing information such as account numbers, dates, etc. 3. indicated "payment subject to bank clearance". The request was failed at the ** part of the process. Your lender was advised of what was needed for the documents to be accepted and successfully processed.

    IR follows and will continue to follow all bureau guidelines in connection with the rescore process. All our lender clients are fully aware of the re-score process, time frames, and document requirements to ensure successful rescore transactions.

    As far as the additional pulls, these were done by the lender as part of the process after a rescore. ** DOES NOT pull credit on any consumer for any reason. 

    We are really sorry that you went past your closing date and that the sellers walked away. We can assure you that this was not a delay in IR's side as the process was followed exactly as dictated by the credit bureaus. 

    Best,

    Informative Research Corporate Governance

    Customer Answer

    Date: 04/15/2025

    I have reviewed the response made by the business in reference to complaint ID ********,  this is inaccurate information, all receipts had all necessary required information on it. In fact for my husband I went directly to the bureau and inquired about this and they not only assured me that I count indeed use the receipts I was given but also took them from me and removed the debt while we were still battling your company to accept it. 

    also we have emails regarding the several different credit pulls between our lenders and management proving that IR indeed pulled our scores without permission and they agreed to do a internal check to determine what happened.  So yes you all may follow rules but definitely not rules of bureaus. The scores increased way more than the estimator gave so thats not the issue. The issue is your companies slow process. Luckily my issues has gone to the CEO of the **************** and they will be offering services through another company for their clients as this was purely unacceptable and will cause them to lose business if they continue to move forward with companies with such low quality. Luckily I am not the only one who has said this and the company sees firsthand. 
    Regards,

    Business Response

    Date: 04/16/2025

    Again, Informative Research must follow guidelines issued by the credit bureaus in connection with acceptable documentation for the rescore process. The documents provided were deemed not acceptable for the reasons previously provided. Also, as a CRA, Informative Research DOES NOT pull credit reports on any consumer for any reason. All credit pulls done via our system are initiated by our lender clients. 

    All the reports pulled through are system were originated by the following New American Funding employees.

    **** ********* and *** ****

    Our Corporate Compliance team is reaching out to their management team to clarify the situation and ensure that Quin and *** are aware that they must have permissible purpose under the **** to be able to access credit reports via IR and ensure that they are not providing incorrect information to consumers. 

    Best Regards,

    Informative Research Corporate Governance

  • Initial Complaint

    Date:02/10/2025

    Type:Product 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.
    Informative research is showing up on my credit report several times as an hard inquiry, which I never authorized. I want this company to stop hitting my credit report with hard inquiries that were never authorized

    Business Response

    Date: 02/10/2025

    Ms. *******,

    Informative Research is a credit reporting agency as defined by the ****. We DO NOT pull credit reports on any consumer for any reason. We provide access to tri-merge credit reports to mortgage lenders in connection with mortgage loan applications submitted by consumers. 

    Unfortunately, we are not able to locate your file as we have over 200 ****** Johnsons in our system and the address provided was not a match. In order to do a more thorough search, we will need the last 4 digits of you SSN and the dates of the inquiries you are disputing.  

    You are also welcome to contact us by phone at ************ **************************** and we'll be happy to to assist.

    Regards,

    Informative Research Corporate Governance Department

  • Initial Complaint

    Date:12/17/2024

    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.
    Hard credit check by Informative Research I did not know or give this company permission to place an inquiry on my credit report. This is a reckless action that violates my rights. I am asking this company to send me a clearly signed contract stating that I gave them permission to place their inquiry on my credit report ( my credit score drove subsequently).I am asking for the removal of that inquiry.

    Business Response

    Date: 12/17/2024

    Mr. ******,

    Informative Research is a credit reporting agency (***) as defined by the ****. We are a reseller of credit information obtained from the 3 major credit bureaus. We DO NOT pull credit on any consumer for any reason.

    Your mortgage credit report was accessed via our credit system on 12/16 by your lender GUARANTEED RATE *** in connection with a mortgage loan application submitted to them by yourself and co-borrower Houefa Assogba. Please keep in mind that mortgage lenders must use a third-party CRA to obtain a tri-merge report which is required. Also, once an application is submitted, the lender must pull a hard inquiry report. 

    If you need additional details regarding this transaction or the status of the loan with this lender, please contact them directly at:

    GUARANTEED RATE *** - *****************, *******, ** ***** -  ************

    Ref Loan#*********

  • Initial Complaint

    Date:10/25/2024

    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 never applied for any home loan and 100% sure I didn't. Upon looking at my credit repot via Credit Karma, there was a hard inquiry from "Informative Research" which I didn't authorize for any home loan.

    Business Response

    Date: 10/28/2024

    Mr. ********,  

    Informative Research is a credit reporting agency as defined by the ****. We DO NOT pull credit reports on any consumer for any reason. Your credit report was accessed via our system by lender ****************/Above Lending in connection with an application for a personal loan you submitted to them in 2023. Note: this is NOT a mortgage loan transaction.

    If you need additional details regarding this transaction or your personal loan status with this lender, please contact them directly at: Cross River Bank - Personal ********** ************ or their agent, Above Lending at ************ Attn: *** ****** Reference Loan # **df9df05ee8476e966665d6a

    Thank you,

    Informative Research Corporate Governance

  • Initial Complaint

    Date:09/08/2024

    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.
    Informative research did not pay to my employer the committed contract value. Used the products and services free of cost and resold at a higher value and made tons of money and revenue but didnt pay Truv the contracted price post consuming all products. Also slander against ***** leadership, CEO, CTO and the ** of Product, displaying racism and sexism causing brand damage, reputation and impact to the business leading to Truv losing clients and contracts.

    Business Response

    Date: 09/13/2024

    BBB Team,

    Informative Research believes this complaint was filed fraudulently and has no merit.

    Thank you,

    Informative Research Corporate Governance

  • Initial Complaint

    Date:09/06/2024

    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.
    I never gave permission for this company to run my credit or to access my credit report or personal information.I did give access to another lender who already ran my credit in the recent past. This company is by no means connecting to them. I gave no authorization for my credit to be ran by this company. This was a violation.

    Business Response

    Date: 09/09/2024

    ********************,

    Informative Research is a credit reporting agency as defined under the ***** we DO NOT pull credit reports on any consumer for any reason.  Your tri-merge mortgage credit report was pulled via our system by lender GUARANTEED RATE *** in connection with a mortgage loan application submitted to them. Informative Research is the credit agency that Guaranteed Rate uses for access to tri-merge reports. Please keep in mind that a tri-merge credit report is required for any mortgage loan transaction and lenders do not have direct access as bureaus do not provide tri-merge reports, these are only provided by third party credit agencies such as Informative Research. If you need additional information regarding this transaction or the status of your loan with this lender, please contact them directly at:  GUARANTEED RATE *** - *********************************************************************. REFERENCE LN#********* LOAN OFFICER: *********************************.

    Thank you,

    Informative Research Corporate Governance

  • Initial Complaint

    Date:05/22/2024

    Type:Billing 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.
    This company submitted a hard inquiry on my credit report without my knowledge or permission.

    Business Response

    Date: 05/23/2024

    ********************, Informative Research is a credit reporting agency, we DO NOT pull credit reports on any consumer for any reason. We are a reseller of credit as defined in the **** and provide tri-merge credit reports to our mortgage lender clients in connection with mortgage loan applications submitted to them by consumers.  Unfortunately, I'm not able to locate your report with the identifying information provided (name & city only) as we have over 100 ************************* in our system. In order for us to further research we need your address, last 4 of your SSN, and the date of the inquiry you are disputing.

    Thank you,

    Informative Research - Corporate Governance

    Customer Answer

    Date: 05/23/2024

    Hello,

    Below is the information you requested in order to assist me in this matter. 

    Address: ************************************************************** or **********************************************

    Last 4 of SSN: 0590

    Date of the inquiry: May 20th, 2024

     

    Sincerely,

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

    Business Response

    Date: 05/23/2024

    ********************,

    Your tri-merge mortgage credit report was accessed via our system by lender GUILD MORTGAGE COMPANY in connection with a mortgage loan application submitted to them.  If you need additional details regarding this transaction or the status of your loan with this lender, please contact them directly at:

    GUILD MORTGAGE COMPANY-CORPORATE COMPLIANCE & LEGAL TEAM

    ********************************* - ************

    REFERENCE LOAN# **********GM

    LOAN OFFICER: ********************* ************

    BRANCH: ********************************* ******* ************

     

    Customer Answer

    Date: 05/24/2024


    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

    Regards,

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

     

  • Initial Complaint

    Date:03/01/2024

    Type:Product 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.
    2 inquiries on credit report today. No loan, mortgage, or credit applications filled out by me in the last 12 months. This company also showed up on my credit report twice in August of 2022 after no loan, credit, or mortgage applications. Their standard response of "We're a credit reporting agency" does not ***** them permission or excuse the illegality of their actions.

    Business Response

    Date: 03/04/2024

    ********************,

    Informative Research is a credit reporting agency as defined by the ***** We do not initiate credit pulls on any consumer for any reason. 

    There are no credit pulls via our system on 3/1.  Equifax had a system reset in connection with their "alerts" system last weeks. As a result, past inquiries are coming through to the monitoring agencies as new. Equifax is actively working to resolve erroneous alerting issues and has confirmed that credit has not been pulled through IR's credit system. You are welcome to confirm this information with your "alerts" provider or with EFX directly.

    As far as the *************************************************************************************************************************************************** 2022.  For additional details regarding the transaction, or for your loan status with them, please contact them directly.

    Thank you,

    Informative Research-Corporate Governance

     

     

    Customer Answer

    Date: 03/04/2024


    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

    Regards,

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

     

  • Initial Complaint

    Date:02/29/2024

    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.
    This company did 5 credit inquiries today (2/29/2024) on my exifax report that I never authorized with them or any other company, I have not applied for any type of credit in the last 2 years. Please have them remove this immediately.

    Business Response

    Date: 03/01/2024

    ********************,

    Informative Research is a credit reporting agency, we DO NOT pull credit reports on any consumer for any reason. Tri-merge credit reports are accessed by our client lenders via our system in connection with mortgage loan applications.

    We have searched our database and have no record of your credit report being accessed via our system today 2/29/2004 or at any time in the past 12 months. 

    If you are getting this information from an alert servicer, please contact them directly. Otherwise, to review the most current information regarding inquiries directly with the credit bureaus, please do so through: www.annualcreditreport.com

    Thank you,

    Informative Research/Corporate Governance

     

  • Initial Complaint

    Date:02/24/2024

    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 not liable for this debt INFORMATIVE RESEARCH, I do not have a contract with INFORMATIVE RESEARCH, they did not provide me with the original contract as I requested

    Business Response

    Date: 02/26/2024

    *********************,

    Informative Research is a credit reporting agency, we DO NOT pull credit reports on any consumer for any reason. We are not a lender, so we do not extend credit (debt) to anyone. 

    Informative Research provides tri-merge credit reports to mortgage lenders in connection with loan applications initiated by consumers.  Unfortunately, I'm not able to locate your file with the information provided above. I have over 50 files under ***************** and was not able to match the address provided.  If you'd like us to further research the inquiry, please provide the date of the inquiry you are disputing as well as your date of birth and social security number. You are welcome to contact us directly for additional information.

    Thank you,

    Informative Research Corporate Governance

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

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

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