ComplaintsforFactual Data, Inc.

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Initial Complaint
09/11/2022
Complaint Type:
Customer Service Issues
Status:
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.
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
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
08/24/2022
Complaint Type:
Customer Service Issues
Status:
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.
I did not give factual data permission to inquiry my credit report. Please remove all inquiry's from my credit reports.
Business response
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
08/19/2022
Complaint Type:
Service or Repair Issues
Status:
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.
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
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
08/07/2022
Complaint Type:
Service or Repair Issues
Status:
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.
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
07/27/2022
Complaint Type:
Customer Service Issues
Status:
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.
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
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
Initial Complaint
07/05/2022
Complaint Type:
Billing Issues
Status:
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.
the company is not allowing me to get a copy of my report or dispute the negative information which is not right. I request a copy of my report and the companies arbitration policy.
Business response
07/12/2022
Dear ******* *****:

Innovis received the complaint you submitted to the Better Business Bureau, reference number
********, on 7/5/2022. In your complaint, you state that Innovis did not allow you to order a copy of
your Innovis Credit Report or allow you to dispute information on your Report.

In response to your complaint:
• We have mailed you a copy of your Innovis Credit Report separately.
• Our records indicate you successfully ordered a copy of your Report on Innovis.com on
5/15/2019. Our records also indicate that you began the process of viewing your Report online
on 7/3/2022, but the process was not completed.
• Additionally, we received your dispute request, sent by mail, on 7/11/2022. Per your request,
Innovis initiated disputes with the following creditors, asking that they verify the accuracy and
completeness of their accounts:
o ******* **** ******** accounts ending #**** and #****
o ******* ******** account ending #****
o ********** *** account ending #****
• You may contact us directly by phone, mail, or online at www.innovis.com/creditReport/mailed
to order a copy of your Innovis Credit Report at any time. Innovis does not charge a fee to
provide you with a copy of your Report by mail. Innovis does not limit the number of Reports
you may order.

If you have any additional supporting documentation that supports your dispute, you may mail the
information to the address below. Upon completion, the investigation results, which includes an
updated copy of your Innovis Credit Report, will be 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
Initial Complaint
04/23/2022
Complaint Type:
Customer Service Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I’m unable to login to my account and my phone is number can’t receive verification codes I want make sure my freeze is Lifted with this company because I was turned down on a credit card because the company unable verify my identity this is not cool …
Business response
05/03/2022
Innovis received the complaint you submitted to the Better Business Bureau, reference number ********, on 4/25/2022. In your complaint, you state that you are unable to use your phone number to log in on Innovis.com. You also request that your Security Freeze be removed.

In response to your complaint:
- For the safety and security of your information, we have implemented authentication procedures for the Innovis.com account log in process that includes sending a passcode to a phone number that has been reported to us, and has a verified owner.
- We understand that this may not be possible for all users, and apologize for any inconvenience this may cause. However, these security measures cannot be bypassed. If you are unable to log in to Innovis.com, please contact us directly using the information below, and we would be happy to assist you. Any requests that may be submitted online may be processed by mail or phone using the contact information below.
- Per your request on 2/17/2022, initiated on Innovis.com, your Security Freeze was removed from your Innovis Credit Report. A confirmation letter, dated 2/17/2022, was mailed to you at your current address.
**********************

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
Customer response
05/04/2022
I accept the business's response to resolve this complaint.
Regards,

******* *****
Initial Complaint
04/09/2022
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
PLEASE UN SUPPRESS MY CREDIT PROFILE AND UNBLOCK MY ON LINE ACCESS AND SEND COPY OF MY CUURENT REPORTS.
Business response
04/18/2022

**** *****
**** ********* *** **** * ****** ******** ** *****
Case ID: ********
Dear **** *****:
Innovis received the complaint you submitted to the Better Business Bureau, reference number ********, on 4/11/2022. In your complaint, you request that we unsuppress your Innovis Credit Report, and unblock your online account. You also request a copy of your Report.
Per your previous complaint, received by Innovis on 6/20/2017, we suppressed your Innovis Credit Report. This suppression prevented third parties from viewing your Report, but did not prevent you from ordering a free copy of your report or disputing inaccurate information. Our records indicate that over 20 Reports have been provided to you since that date. Additionally, Innovis has no record of restricting access to your Innovis.com account.
In response to your complaint:
• We have removed the suppression from your Innovis Credit Report. Third parties will now be able to view your Report. You will continue to have access to order a free copy of your Report at any time.
• Your Innovis.com account username, selected by you during account creation, is ***********. To reset your password, click “Forgot Password?” on the Innovis.com sign in screen.
• A copy of your Innovis Credit Report has 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
Customer response
04/19/2022
I accept the business's response to resolve this complaint.

Regards,

**** *****
Initial Complaint
03/11/2022
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
UNSUPPRESS CREDIT FILES AND SEND COPY TODAY
Business response
04/18/2022
Our response to this consumer's complaint is attached. This response has also been sent directly to the consumer at the address they provided.
4/18/2022

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

Case ID: 48805092

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

Innovis received the complaint you submitted to the Better Business Bureau, reference number 16882676, on 4/11/2022. In your complaint, you request that we unsuppress your Innovis Credit Report, and unblock your online account. You also request a copy of your Report.

Per your previous complaint, received by Innovis on 6/12/2017, we suppressed your Innovis Credit Report. This suppression prevented third parties from viewing your Report, but did not prevent you from ordering a free copy of your report or disputing inaccurate information. Our records indicate that over 30 Reports have been provided to you since that date. Additionally, Innovis has no record of restricting access to your Innovis.com account.

In response to your complaint:
• We have removed the suppression from your Innovis Credit Report. Third parties will now be able to view your Report. You will continue to have access to order a free copy of your Report at any time.
• Your Innovis.com account username, selected by you during account creation, is *********. To reset your password, click “Forgot Password?” on the Innovis.com sign in screen.
• A copy of your Innovis Credit Report has been mailed to you separately.

Lastly, please use the following information to contact us directly for further assistance:
Innovis Consumer Assistance PO Box 530088
Atlanta, GA 30353

If you have any questions or concerns, you may contact our Consumer Assistance Department at 1-800-540-2505. 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
Customer response
04/20/2022
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

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

Regards,

******* *****
Initial Complaint
12/19/2021
Complaint Type:
Service or Repair Issues
Status:
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.
***** **** - gregory 7507 Detroit, Mi, 48239 Dear all, believe your company has violated several of my consumer rights. Specifically you: - Failed to validate a debt at my request?FDCPA violation -Continued to report a disputed debt to the CRA?FCRA violation Not only have you ignored my prior requests for validation of debt (proof enclosed- receipt copies or letter copies), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following: Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, "Estoppel by Silence" legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. The Debts involved are as follows: Verizon Southeast $1607 Verizon Southeast $250 The Bank of Missouri UM Student LN Capital One Sincerely, ***** ****
Business response
12/27/2021
12/23/2021

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

Case ID: 47463392

Dear ***** ****:

Innovis received the complaint you submitted to the Better Business Bureau, complaint ID 16379694, on 12/20/2021. In your complaint, you request validation of accounts from your creditors. You also request that we make corrections to your credit report.

In response to your complaint:

? Per your 12/14/2021 and 12/18/2021 requests initiated on Innovis.com, Innovis reviewed your requests and initiated a dispute with the following creditors, asking that they conduct an investigation and validate the accuracy and completeness of their reporting of their accounts:
o First Premier Bank accounts ending #6217 and #1889
o Total Visa/TBOM account ending #2300
o Verizon Wireless accounts ending #0001 and #0002
o University Of Michigan account ending #1ADB

? On 12/17/2021, Verizon Wireless accounts ending #0001 and #0002 show as paid. As of 12/23/2021, we have not received a response from the remaining creditors.

? 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.

If you have additional documentation that supports your dispute, you may send the information to the address/fax number below. Upon completion, the investigation results will be mailed to you separately. The investigation results will include an updated copy of your Innovis Credit Report.

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 200 words. If you would like to add a consumer statement, please mail or fax the statement to the address/fax number below. Alternatively, you may contact the source of the information directly.

Lastly, please use the following information to contact us directly for further assistance:
Innovis Consumer Assistance PO Box 1640 Pittsburgh, PA 15230-1640 Fax: 877-314-0117

If you have any questions or concerns, you may contact our Consumer Assistance Department at 1-800-540-2505. 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

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