ComplaintsforFactual Data, Inc.

• Initial Complaint

  10/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I'm writing about a fraudulent/unauthorized hard inquiry made by FACTUAL DATA that appeared on my credit report on 10/09/2023. I did not initiate or authorize this inquiry. It appears that I am not the only one with this same issue and complaint from looking at BBB.

  Business response

  10/28/2024

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

  Please accept this response to the complaint we received regarding ****** ****** on 10/23/2024.

  We spoke to Ms. ****** on 10/25/2024 and discussed her concerns. Our records indicate that our client, ******* ***** ******** ****, accessed a copy of her credit report on 10/09/2023. Ms. ****** stated she is familiar with this inquiry and nothing further was needed from Factual Data at this time.

  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. Factual Data does not maintain a database of consumer information from which new credit reports are generated. 

  Sincerely,

  Factual Data Consumer Assistance 

• Initial Complaint

  08/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to dispute an unauthorized inquiry made by FACTUAL DATA that appeared on my credit report on 3/20/2024. I did not initiate or authorize this inquiry. I am a victim of identity theft and have filed a complaint with IdentityTheft.gov, a copy of which is enclosed for your reference.I request that this inquiry be removed from my credit report immediately and that steps be taken to prevent any future unauthorized inquiries.Thank you for your prompt attention to this matter.

  Business response

  09/05/2024

  9/5/2024
  Better Business Bureau
  ***************
  Columbus, OH 43215
  Re: Crystal ***********************
  Complaint ID: ********
  Please accept this response to the complaint we received regarding Crystal *********************** on 8/30/2024.

  
  We called the consumer on 8/30/2024, 9/03/2024, and 9/05/2024 to discuss their concerns, but were unable to reach them. To better assist us in processing their complaint, the consumer can call our Office of Consumer Affairs at ************.

  
  Additionally, on 9/05/2024 we sent an email to the consumer requesting a copy of the Identity Theft Report that the consumer mentioned but not provided in the complaint.

  
  Our records indicate that our client, AMERICAN FINANCE, LLC, accessed a copy of the consumers credit report on 3/20/2024. Their contact information is listed below. For more information about this inquiry, including why they accessed a copy of the credit report, the consumer can contact our client directly.

  
  AMERICAN FINANCE, LLC
  ***************************************************************************
  ************

  
  If the consumer would like to dispute the inquiry, they may contact us at ************, Monday through Friday 8am 7pm ET, by mail at *******************************, or by fax at ************.

  
  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.

  
  Sincerely,
  Factual Data Consumer Assistance

• Initial Complaint

  06/24/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On June 24th, 2024 I attempted to remove my credit freeze with no success. I have the correct PIN number to do so and its asking me to send by mail my request. I need this done ASAP as its for my living situation.

  Business response

  07/02/2024

  In your complaint, you state that you were unable to remove the Security Freeze from your Innovis Credit Report. You also request a copy of your Report.
  
  In response to your complaint:
  -Per your previous request, initiated on Innovis.com on 1/30/2024, a Security Freeze was placed on your Innovis Credit Report. A Security Freeze Confirmation Letter, containing your 10-digit Security Freeze PIN, was mailed to the address you entered, ***** ******* ****
  -Our records indicate you attempted to remove the Security Freeze two times via Innovis.com on 6/24/2024. However, an incorrect PIN was entered in each attempt.
  -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 PIN and copy of your Report to a verified address. On 6/27/2024, we emailed you a link to upload proof of your address. However, we did not receive a response. 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 address below:
  
  Innovis Consumer Assistance
  ** *** ****** ******** ** *****
  
  -Once we receive proof of your current address and send you your new Security Freeze PIN, please contact us directly by phone or online at ******************************************** to request that your Security Freeze be permanently removed.
  -A free copy of your Innovis Credit Report will be mailed to you once proof of your current address is received.
  
  Please visit our Learning Center on Innovis.com for more information regarding your Innovis Credit Report.

• Initial Complaint

  06/21/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  To Access My report S.S.N. ********* D.O.B ********** My complaint is against INNOVIS for not allowing me access online to file disputes and inaccuracies for the last 7 months. I called innovis back in November and December 2023 to update correct phone numbers and delete invalid phone numbers on my file The agent stated the invalide numbers were deleted in my dispute and the two set of numbers were already on my file but it takes at least 2 months to be able to be used as a authentication to send pin codes two my numbers to access my report online. As of June 21, 2024 my last attempt I was still unable to access my online file even thou when I log in to innovis.com it shows my last four digits to my correct phone number ending in **** but it was unable to send a pin code or even call my number I tried my secondary number it stated the same info and than said we are not able to verify you're identity. I used innovis online dispute for many years and never had this issue accessing my credit report online to make an dispute intil this internal error started 7 months ago I did in fact mailed a copy of my driver license and social security to update correct numbers this information was mailed back between november-december 2023 I contacted innovis by phone between June 19-20, 2024 and stated the errors and that I am not able to log on to my report using the registered authentication numbers its asking me to send a pin code to ending phone number 8361 please note both number in this complaint are also on my Experian,TransUnion,Equifax credit reports and accounts The agent ask me identity questions from my credit reports to identify me and than stated you don't see my numbers on file even thou both numbers I had requested in writing and phone to be added for pin purposes and identity verification. My correct phone numbers are ###-###-#### my second correct phone number is ###-###-#### both sets of number should only be used to verify me online

  Business response

  06/25/2024

  In your complaint, you express dissatisfaction with your inability to log in to your *********** account.
  
  Per your previous request, initiated on Innovis.com on 6/21/2024, a free copy of your Innovis Credit Report has been mailed to your current address. You can expect to receive your Report in 7 to 10 business days.

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

  
  -We are happy to assist with any request pertaining to your Innovis Credit Report. This could include ordering a free copy of your Report, placing or managing a freeze or alert, or initiating a dispute. While you have expressed dissatisfaction with your inability to access your Innovis.com account, you did not provide a request regarding your Report. You may contact us directly for assistance with any of the actions listed above.

  
  -The phone numbers ###-###-#### and ###-###-#### are not on your Innovis Credit Report. We are unable to add information to your Innovis Credit Report by phone. Additionally, personal information may only be added by mail if proof documentation is received. In order for us to add these phone numbers to your Innovis Credit Report, please provide proof of these numbers with a recent phone bill showing your name and the phone numbers.
  
  Please visit our Learning Center on *********** for more information regarding your Innovis Credit Report.

  Customer response

  06/26/2024

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

• Initial Complaint

  06/17/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Innovis has spectacular security and I appear to have locked myself out of my account. The phone number I registered with, used to be a cell phone, but I temporarily ported it to ****** Voice (VOIP). I just recently RE-ported it back to a cell phone company ********** I wanted to ask if it is possible to unblock or manually allow me to reverify using the cell number? Had I known VOIP is a no-no, I wouldn't have ported number to take advantage of a phone deal. Please and thank you in advance.

  Business response

  06/24/2024

  In your complaint, you request that Innovis assist you with logging in to your Innovis.com account.
  
  Per your phone conversations with Innovis on 4/9/2024 and 6/17/2024,our representatives informed you that since you were unable to log in to Innovis.com, we would be happy to assist you by phone. We also informed you that we are unable to bypass any security controls on Innovis.com that *** prevent you from logging in.
  
  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 *** not be able to meet all of the criteria and apologize for any inconvenience this *** cause. However, these security measures cannot be bypassed.
  -Any request that youd like to submit through your Innovis.com account *** be submitted by phone or mail. Additionally, you *** 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 **************************************************************************
  -We are happy to assist with any request pertaining to your Innovis Credit Report. This could include ordering a free copy of your Report, placing or managing a freeze or alert, or initiating a dispute. While you have expressed dissatisfaction with your inability to access your Innovis.com account, you did not provide a request regarding your Report. You *** contact us directly for assistance with any of the actions listed above.
  
  Please visit our *************** on Innovis.com for more information regarding your Innovis Credit Report.

  Customer response

  06/25/2024

  [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 
  
  Complaint: 21863536
  
  I am rejecting this response because:
  I still can't access account online. While options are available via snail mail, I would prefer to not live like a caveman and access all items using stale 20th century techniques.
  The links provided (which I technically was forced to take advantage of due to the long duration I haven't been able to access the account), aren't a great long term solution.
  I understand there's security protections in place, it would be nice if there were protocols in place to resolve via notary or some other official documentation or similar avenue.
  
  
  Sincerely,
  
  ***********************

  Business response

  06/27/2024

  Thank you for your feedback. I do apologize for the experience that you had on Innovis.com. I know you have tried the links we suggested, but it was not the ultimate experience you wanted. While I cannot address your immediate concern, your experience is important to us. All of the complaints we receive regarding our website are reviewed by our web team, and this includes your complaint. We use that information to make ongoing improvements to our website. Thank you for taking the time to give us your feedback.

• Initial Complaint

  06/14/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I am filing this complaint because in the summer of 2023, I am constantly being harassed by ********* ********* about a debt in August of 2022 that I am not liable for. I received a letter from Innovis Consumer Assistance which I do not have a contract with requesting payment of a debt in the sum of $4,764. A request of the original contract was not honor.

  Business response

  06/18/2024

  In your complaint, you claim you received a letter from Innovis requesting payment. You also request an original contract, and state that your credit has been affected.
  
  Per your previous request, initiated on *********** on 6/14/2024, Innovis initiated a dispute with *************** ********, asking that they validate the accuracy and completeness of their account ending #****. We have not yet received a response. Upon completion, the investigation results will be available for you to view on ***********.

  In response to your complaint:
  -Innovis is a Consumer Reporting Agency, not a debt collector or creditor. Innovis does not collect debt or request payment from consumers. Additionally, we have no record of sending a letter of any kind to you.
  -Consumer Reporting Agencies like Innovis do not maintain original documents concerning your relationship with your creditors, such as *************** ********. You may contact your creditor directly to request those documents. Innovis provides creditor contact information in our Reports which may be viewed online or requested by mail.
  -Innovis does not offer a credit score. For information about your FICO credit score, you can contact the Fair Isaac Corporation, the company that generates FICO credit scores, at ************** or ###-###-####.
  
  Please visit our Learning Center on *********** for more information regarding your Innovis Credit Report.

  Customer response

  06/18/2024

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

• Initial Complaint

  05/30/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  Factual data is now stating that my ******* report is still showing a block or alert, that I have no credit score and no accounts. ******* says this is untrue and for factual data to call their business line. Factual data said they’ll only talk to their contact they have there even though that contact was clearly wrong and unhelpful. They’re costing me a house. My ******* score is over 800.

  Business response

  06/07/2024

  *************
  Please accept this response to the complaint we received regarding ****** ***** on 5/31/2024.

  We researched Ms. ******* issue and worked with Equifax to identify an update they made to their systems which affected the consumer’s credit report. Per our request, Equifax rolled back the update. We have re-accessed Ms. ******* Equifax credit report and score and provided it to her lender. We spoke with her on 6/6/2024 and conveyed this information to her.

  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.

  
  Sincerely,
  Factual Data Consumer Assistance

  Customer response

  06/07/2024

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

• Initial Complaint

  05/13/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I placed a security freeze on any Innovis files because I don't want any further information added to it. Innovis has created a file for me that I never authorized, and I'm not sure why it exists. I did not give Innovis permission to create it, I did not give Innovis permission to keep information on me. I did not give Innovis permission to share that information with others. Innovis is a for-profit company. Innovis is not a government entity. Innovis is not required by law to have any of my personal information. This address on the attached letter was not approved to be added to any report or file. The address is unmailable. The address is incorrect. No creditors of mine have this address on file. I did not provide any documentation to Innovis with this address. The address needs to be removed immediately. It is against numerous privacy violations and I do not consent. If it is not removed, I will sue.

  Business response

  05/15/2024

  In your complaint, you request that an address be removed from your Innovis Credit Report. You also claim that Innovis does not have your permission to maintain a Report for you.
  
  In response to your complaint:
  -As a consumer reporting agency, Innovis 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 Innovis Privacy Notice on our website at ************
  -Innovis is exempt from file deletion requests or requests to delete information that is complete and accurate. However, you have several privacy rights under the Fair Credit Reporting Act (FCRA) and state privacy laws. For more information about the rights you have, please visit our website at ************
  -Per your previous request, initiated on Innovis.com on 8/20/2023, a Security Freeze was placed on your Innovis Credit Report. A Security Freeze Confirmation Letter, including your Security Freeze PIN, was mailed to you dated 8/20/2023.
  -Because you have a Security Freeze on your Innovis Credit Report, we will notify you by mail of any new personal information that is added to your Report. The address in the letter we sent you, dated 4/9/2024, was reported by ******* ******** account ending #**** on 3/31/2024. This letter was sent to both *** * *** ** *** **** and **** * **** *****. If you prefer not to receive letters of this nature in the future, you may remove your Security Freeze at ***********. If you no longer have your Security Freeze PIN, you can request to reset your PIN. Once your new PIN is received, you may remove your Security Freeze.
  -The address, *** * *** ** *** ****, has been removed from your Innovis Credit Report.
  -You may contact the furnisher of this information, Verizon Wireless, with your concerns regarding the address that was added and to manage the personal information they maintain for you. Innovis includes furnisher contact information in the investigation results we send out.
  
  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.

• Initial Complaint

  04/21/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Innovis is providing inaccurate personal information on to CRAs and I want it to stop immediately. My Credit File is not 100% Accurate, pursuant to the Fair Credit Reporting Act (FCRA). My personal information is being reported inaccurately and I need my credit file corrected now. Inaccurate Names: ***** ********* ****** ****** ****** ****** ********* Correct Name: ****** * ********. Inaccurate Employment Info: SOCIAL SECURITY ADMI. Inaccurate Addresses Reported: **** **** ****** **** *** *** ********* ** ****** * ************ ** ****** ************** ** **********, and *** **** ** **** *********** ** **********. Therefore, my rights are being violated monthly according to 15 U.S. Code 1681e - Compliance Procedures, Accuracy of Report, and 15 U.S. Code 1681s2 - Responsibilities of furnishers... This Negligent noncompliance of reporting inaccurate information on my credit reports must stop now. I've also never given you permission to give my information to anyone, which is a violation of 15 U.S. Code 1681b - Permissible purposes. Please delete this inaccurate personal information and afterwards have an updated credit file mailed to me. I wrote this complaint by myself, with no help.

  Business response

  04/24/2024

  In your complaint, you request that information be removed from your Innovis Credit Report. You also claim Innovis does not have your permission to maintain a Report for you.
  
  Innovis has no record of you contacting us by phone, mail, or online, prior to the BBB complaint received 4/22/2024, to dispute information or request a free copy of your Innovis Credit Report.
  
  In response to your complaint:
  -As a consumer reporting agency, Innovis 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 Innovis Privacy Notice on our website at ************
  -The following information has been removed from your Innovis Credit Report:
  -The name ****** *****
  -The addresses * ************ ** *** *** and *** **** ** *** *
  
  All of the other information referenced in your complaint is not on your Innovis Credit Report. The investigation results, which include an updated copy of your Report, have been mailed to you separately.
  
  Please visit our Learning Center on Innovis.com for more information regarding your Innovis Credit Report.

• Initial Complaint

  04/15/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am a homeless Human Trafficking Victim. I uploaded my determination documentation to Innovis and they accepted my documentation at first then a week later they refused to accept paperwork and refused to tell me why they were not accepting the determination. Please BBB help me, I don't have anywhere to live with my children. Please respond via email address ***************************

  Business response

  04/18/2024

  In your complaint, you claim that Innovis refused to block adverse information resulting from human trafficking from appearing on your Innovis Credit Report. You also claim Innovis did not provide you with a reason for declining your request.
  
  In response to your complaint:
  -Per our communications with you by email on 2/1/2024, 2/15/2024, 3/5/2024, and 3/20/2024, and by phone on 3/20/2024, Innovis informed you that the documentation you provided with your request does not satisfy the requirement which has been prescribed by the Consumer Financial Protection Bureau in 12 CFR § 1022.142(b)(6)(i)(A)(2). It states, “Victim determination. Documentation that is of a determination that a consumer is a victim of trafficking made by a non-governmental organization or members of a human trafficking task force, including victim service providers affiliated with the organization or task force, authorized by a Federal, State, or Tribal governmental entity to make such a determination.”

  
  -The CFPB provides strict requirements to non-governmental entities in their commentary to the final rule 12 CFR Part 1022, published June 24, 2022. The CFPB states, “To clarify, the final rule does not permit a non-governmental entity or human trafficking task force to provide an authorization to make a victim determination under this section for itself or another entity. Instead, the authorization must be made by a Federal, State, or Tribal governmental entity, and each governmental entity may establish their own criteria for making such authorizations.”

  
  -Additionally, while we have confirmed that your request lacks valid Victim Determination Documentation, we have also confirmed:
  -You provided a letter prepared by ******* **********, dated 1/30/2024. The California Secretary of State indicates ******* **********’s business license has been suspended as of 10/1/2020. Therefore, the business could not legally operate on the date referenced in the letter.

  
  -You provided a letter prepared by *********, dated 1/16/2024. ********* is not a business registered with the California Secretary of State, nor is it a nonprofit or charitable organization registered with the California Office of the Attorney General or the United States Internal Revenue Service. Our research confirmed that this organization is also engaged in credit repair related activities.
  

  If you would like to seek assistance from an agency permitted under the CFPB’s final rule, you may contact the Ohio Attorney General here: **************************************************************************************. There may also be other government resources or agencies authorized by the government in your area.
  
  If you disagree with our determination and would like to revise your submission or appeal the decision, please provide your revised submission or send a letter describing your reasons for appeal to:
  
  ******* ***** ******* ***** ******* **** *** ****** ******** ** *****
  
  If you are a victim of identity theft and would like to block information from your credit that resulted from identity theft, please submit your request by mail to the address below:
  
  ******* ******** ********** ** *** ****** ******** ** *****
  
  Please visit our Learning Center on Innovis.com for more information regarding your Innovis Credit Report.

  
  

  Customer response

  04/19/2024

  CFPB Human Trafficking Final Rule Detailed Overview the Consumer Financial Protection Bureau (CFPB) has enacted a significant regulation to aid victims of human trafficking. This rule, which took effect on November 1, 2023, necessitates consumer reporting agencies (CRAs) to establish a process for blocking adverse credit information that stems from human trafficking. What Victims Need to Provide: Victims of trafficking are required to submit "trafficking documentation" to CRAs, which comprises two essential elements: Victim Determination: Documentation from a Federal, State, or Tribal governmental entity. Court documents or other records from a court of competent jurisdiction. Certification from non-governmental organizations or human trafficking task forces that are authorized by governmental entities. A self-attestation signed or certified by an authorized entity. Identified Adverse Items of Information: Documents pinpointing the adverse information that arose due to trafficking, such as coerced debts, criminal records, or eviction records related to the trafficking experience.

  
  Process and Timelines: Upon receiving a submission, CRAs must block the adverse information within four business days. If additional information is needed or if any documentation is missing, the CRA must notify the consumer within five business days. The CRA is limited in its requests for additional information and cannot challenge the victim's determination of an item being related to trafficking. A final decision on the block request must be made within 25 business days. If a block is declined or rescinded, the CRA must notify the consumer, attempting to resolve any submission deficiencies beforehand. CRAs are prohibited from making judgments based on the validity of the facts presented in the trafficking documentation. Consumer's Preferred Contact Method: Consumers must indicate their preferred method of contact, and CRAs are obliged to use only that method for all required communications.

  
  Notification and Recordkeeping: After a final determination, the consumer must be notified in writing within five business days, including an explanation of the outcome and a link to the CFPB’s consumer complaint portal if applicable. CRAs must keep records of consumer submissions and compliance with the rule for seven years after a submission is received. This rule represents a critical step in protecting the financial identity and integrity of human trafficking victims, ensuring that their credit history is not further marred by circumstances beyond their control. Innovis has informed me that the documentation I provided does not satisfy the requirement which has been prescribed by the Consumer Financial Protection Bureau in 12 CFR § 1022.142(b)(6)(i)(A)(2). It states, “Victim determination.

  
   Documentation that is of a determination that a consumer is a victim of trafficking made by a non-governmental organization or members of a human trafficking task force, including victim service providers affiliated with the organization or task force, authorized by a Federal, State, or Tribal governmental entity to make such a determination.” • The CFPB provides strict requirements to non-governmental entities in their commentary to the final rule 12 CFR Part 1022, published June 24, 2022. The CFPB states, “To clarify, the final rule does not permit a non-governmental entity or human trafficking task force to provide an authorization to make a victim determination under this section for itself or another entity. Instead, the authorization must be made by a Federal, State, or Tribal governmental entity, and each governmental entity may establish their own criteria for making such authorizations.” • Additionally, while we have confirmed that your request lacks valid Victim Determination Documentation, we have also confirmed (This makes no sense what Innovis is saying) You provided a letter prepared by ******* *********** dated 1/30/2024. The California Secretary of State indicates ******* **********’s business license has been suspended as of 10/1/2020(This is an attorney certified by an authorized entity) Therefore, the business could not legally operate on the date referenced in the letter. You provided a letter prepared by *********, dated 1/16/2024. ********* is not a business registered with the California Secretary of State, nor is it a nonprofit or charitable organization registered with the California Office of the Attorney General or the United States Internal Revenue Service. Our research confirmed that this organization is also engaged in credit repair related activities. ********* is a non-governmental, faith based nonprofit organization funded privately by generous, compassionate donors who are dedicated to victims and survivors by supporting adult victims and survivors of sex and human trafficking. We provide resources that can help victims and survivors get the help they need with emergency housing, social services, job training, counseling, transportation, etc. Our goal is to raise awareness of this worldwide problem that has a profound effect on all communities which include amongst indigenous people.

  
  Consumer Financial Protection Bureau **** *** **** **** ***** **** ***** ***** *** **** Subject: Urgent Complaint Regarding Innovis's Noncompliance with Final Rule 1022.142(b)(6) and 1002.142(b)(2) Dear Sir/Madam, I am reaching out to bring to your immediate attention a serious matter of noncompliance by Innovis with the Final Rule, specifically sections 1022.142(b)(6) and 1002.142(b)(2), which are critical to the protection of human trafficking survivors, such as myself. Despite my efforts in providing all mandatory documentation to Innovis for the purpose of blocking adverse credit report items as a result of being a victim of human trafficking, Innovis has not only disregarded my requests but has also repeatedly demanded additional documentation beyond what is legally required.

  
  The documentation I have submitted, which includes victim determination documents from an authorized non-governmental organization, a signed self-attestation statement, and proof of identification, should suffice under the current regulations. Innovis's persistent refusal and the consequent denials of my dispute have effectively denied me the rights provided by the Final Rule. I urge the CFPB to take swift and decisive action to investigate this matter and to enforce compliance by Innovis, ensuring that the adverse items resulting from human trafficking are blocked from my credit report as per the law. I insist that this case remain open until Innovis has rectified their noncompliance and the adverse items have been removed from my credit report. I await your prompt intervention and resolution in this matter. Thank you for your attention and assistance.

  Sincerely, ******* * ******** Preferred Contact Method: Email: *************************** Phone: ###-###-####

  Attachments: Letter from attorney regarding trafficking Driver’s license Trafficking determination documents Social security card Bank statement (April 06, 2024) Credit report items linked to human trafficking (March 2024)
  
  Regards,
  
  ******* ********

*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. ↩