Is your Innovis credit report wrong?

Who Innovis is and who relies on its reports

Innovis is a consumer credit reporting company. According to the CFPB’s list of consumer reporting companies, Innovis provides credit and identity verification data and is a subsidiary of CBC Companies, Inc. Innovis says its products help businesses make decisions and serve customers, and its consumer site offers credit reports, dispute resolution, fraud and active duty alerts, security freezes, and opt-out and opt-in choices.

Most people have never looked at their Innovis file, because it is not part of the free reports you get from Equifax, Experian and TransUnion. That is exactly why errors can sit there unnoticed. A lender, insurer or identity verification service may rely on Innovis data, and a wrong account or a mixed-up identity there can cause a denial or a failed identity check even after your other reports are clean. If you are cleaning up errors, see our pages on Equifax, Experian and TransUnion as well.

Errors that show up on Innovis reports

Innovis builds its files from information creditors and other sources supply. The same problems that affect the big three bureaus show up here, and sometimes linger longer because fewer consumers check:

• Mixed files. Accounts, addresses or names that belong to a relative or a stranger with a similar name or Social Security number.
• Identity theft accounts. Credit cards or loans opened by someone using your information.
• Paid or discharged debts shown as owed. Accounts you paid, settled or had discharged in bankruptcy still reported with a balance.
• Stale personal information. Old or incorrect addresses, name variations or employers that tie your file to someone else.
• Errors fixed elsewhere but not here. A correction made at Equifax, Experian or TransUnion that never reached Innovis.
• Form-letter disputes. A dispute “verified” without anyone looking at your proof.

How to dispute Innovis

Innovis’s own site lists these channels for getting your report and disputing it:

1. Get your Innovis report first. Request it online on Innovis’s credit report page, by phone at 1-866-712-0021, or by mailing Innovis’s credit report request form. Innovis says you must provide the personal information needed to verify your identity. The CFPB says Innovis provides one free report every 12 months on request, and requesting your own report does not hurt your credit scores.
2. Mark every error. Note the account name, account number, dates and the reason each item is wrong. Check the personal information section too: a wrong name or address can be the sign of a mixed file.
3. File the dispute. Innovis’s dispute resolution page says you can start a dispute online through your Innovis Personal Account, by phone at 1-866-712-0021, or by completing its Investigation Request by Mail form.
4. Send proof. Include copies, not originals, of payoff or settlement letters, bankruptcy discharge papers, an FTC identity theft report, or ID and proof of address showing you are not the person on the account. The CFPB recommends attaching a copy of your report with the errors marked.
5. Dispute with the creditor too. The CFPB advises disputing with both the reporting company and the company that supplied the information.
6. Freeze your file if it is fraud. The CFPB says Innovis will freeze your report if you ask, and links to Innovis’s security freeze page.
7. Keep copies of everything you send and receive, and use a mailing method with proof of delivery.

How to contact Innovis

• Report requests online: innovis.com/personal/creditReport
• Disputes online: innovis.com/personal/disputeResolution
• Security freeze: innovis.com/personal/securityFreeze
• Report requests and disputes by phone: 1-866-712-0021
• Consumer Assistance phone: 1-800-540-2505
• Consumer Assistance mailing address: Innovis Consumer Assistance, P.O. Box 530088, Atlanta, GA 30353-0088

Your rights under the FCRA

Innovis is a consumer reporting agency, and the FCRA applies to it:

• Accuracy (15 U.S.C. § 1681e(b)). Innovis must follow reasonable procedures to assure maximum possible accuracy of the information it reports about you. Merging another person’s accounts into your file can fall short of that standard.
• Reinvestigation (§ 1681i). When you dispute, Innovis must conduct a reasonable reinvestigation, free of charge, generally within 30 days, send your dispute and documents to the company that reported the item, and correct or delete information that is inaccurate, incomplete or cannot be verified.
• File disclosure (§ 1681g). You have the right to see all the information in your file and the sources of that information.
• Free disclosures (§ 1681j). You are entitled to a free copy within 60 days after an adverse action notice, and the CFPB reports that Innovis also provides one free report every 12 months on request.
• Identity theft blocks (§ 1681c-2). If you send an identity theft report, Innovis generally must block the fraudulent information.
• Fraud alerts and freezes (§ 1681c-1). Federal law sets out fraud alert and security freeze rights. The CFPB says Innovis will freeze your report on request.
• Reporting time limits (§ 1681c). Most adverse information older than seven years may not be reported.
• Adverse action notice (§ 1681m). A lender that denies you or offers worse terms based on an Innovis report must say so and explain your right to a free copy and to dispute.

Can you sue Innovis?

Yes, if Innovis reported inaccurate information because it did not follow reasonable procedures, or if it failed to reasonably reinvestigate after you disputed. Common examples are an Innovis file that kept another person’s accounts after you proved they were not yours, or a fraud account that stayed after you sent an identity theft report.

What you may recover. For a negligent violation, you may recover your actual damages, such as a lost loan or credit card, higher interest, and emotional distress, plus attorney’s fees and costs (15 U.S.C. § 1681o). For a willful violation, you may recover actual damages or statutory damages of $100 to $1,000, punitive damages, and fees and costs (§ 1681n).

The deadline. An FCRA lawsuit generally must be filed within two years after you discover the violation and no later than five years after it occurred (§ 1681p).

Whether you have a case depends on what Innovis reported, what you sent with your dispute, and how the error hurt you. Keep any denial letters, your Innovis report, your dispute and every response.

Get a free case review

If Innovis is reporting accounts that are not yours, or ignored your dispute, act promptly. FCRA Attorneys has offices in Dallas, Houston, Chicago, Los Angeles and Atlanta, and files FCRA cases in federal court nationwide, directly or with local counsel. We work on contingency, so there is no fee unless we win. Contact us for a free case review, or see our FCRA practice, our mixed file cases and the other companies we cover.

Questions about suing Innovis

Can I sue Innovis?

Yes, if the facts support a claim. Innovis is a consumer reporting agency, so it must use reasonable procedures to keep its reports accurate and must reasonably reinvestigate your disputes. If it reports inaccurate information or fails to fix an error after you dispute, you may have a claim under the FCRA.

Who owns Innovis?

According to the CFPB's list of consumer reporting companies, Innovis is a subsidiary of CBC Companies, Inc.

Is Innovis one of the three credit bureaus?

No. Innovis keeps a separate file from Equifax, Experian and TransUnion. Fixing an error with those three bureaus does not automatically fix it at Innovis, so request your Innovis report and dispute there too.

How do I get my Innovis report?

Innovis says you can request your report online through its website, by phone at 1-866-712-0021, or by mailing its request form. The CFPB says Innovis provides one free report every 12 months on request.

What does it cost to bring a case?

There is no fee unless we win. FCRA Attorneys handles these cases on contingency, and the FCRA lets a successful consumer recover reasonable attorney's fees and costs from the company.

Related reading

• How to Dispute Credit Report Errors With Equifax, Experian and TransUnion
• An Account on My Credit Report Is Not Mine: What Now?
• How to Write a Credit Report Dispute Letter That Gets Investigated

Sources

• CFPB consumer reporting companies list: Innovis (subsidiary of CBC Companies, Inc.; credit and identity verification data; phones, mailing address, free annual report, security freeze)
• Innovis: Credit Report request (online, phone 1-866-712-0021 and mail options)
• Innovis: Dispute Resolution (online through Innovis Personal Account, phone, or Investigation Request by Mail form)
• Innovis: Contact Us (Consumer Assistance, 1-800-540-2505, P.O. Box 530088, Atlanta, GA 30353-0088)
• Innovis: About Innovis (services for consumers and businesses)
• CFPB: How do I dispute an error on my credit report?

Updated November 2026. This page is general information, not legal advice.