Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Unfair Credit Reporting Practices by Innovis. Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Innovis for unfair and inaccurate reporting on my credit report. Despite my repeated efforts to dispute these errors, Innovis has failed to correct the inaccuracies, causing significant financial and personal distress. The following issues have occurred on my credit report : 1. Inaccurate Account Information : Innovis has reported incorrect account details, including accounts that do not belong to me and incorrect balances on existing accounts. 2. Failure to Properly Investigate Disputes : I have submitted multiple disputes in writing, providing supporting documentation, yet Innovis has either failed to investigate or provided vague, unhelpful responses. 3. Inaccurate Hard Inquiries : My credit report contains unauthorized hard inquiries that I did not initiate, negatively impacting my credit score. 4. Failure to Remove Errors in a Timely Manner : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must correct inaccurate information within a reasonable timeframe, yet Innovis has failed to do so. These errors have significantly affected my ability to obtain credit and have caused undue financial hardship. I request that the CFPB intervene to ensure Innovis complies with the FCRA and corrects these inaccuracies immediately. Additionally, Innovis has failed to properly investigate disputes I have filed regarding inaccurate information on my credit report. Despite providing evidence to support my claims, Innovis has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the FCRA. The inaccurate accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have submitted disputes and supporting documentation to prove that the information listed above is either inaccurate or unverifiable. However, Innovis has either failed to verify the information properly or has responded with generic; unverified ; statements without explaining their investigation or correcting the errors. This failure to conduct a reasonable investigation has harmed my credit score and financial well-being, affecting my ability to secure credit, loans, housing, and more. I am requesting the following actions from Innovis through the CFPB : 7. U.S. Bankruptcy XXXX, GA XXXX Case I have submitted disputes and supporting documentation to prove that the information listed above is either inaccurate or unverifiable. However, Innovis has either failed to verify the information properly or has responded with generic; unverified ; statements without explaining their investigation or correcting the errors. This failure to conduct a reasonable investigation has harmed my credit score and financial well-being, affecting my ability to secure credit, loans, housing, and more. I am requesting the following actions from XXXX through the CFPB :