Product: Credit reporting or other personal consumer reports

Subject : Repeated Failure by Innovis to Remove Fraudulent Accounts Formal CFPB Complaint This complaint is being submitted due to Innoviss persistent refusal to comply with federal law regarding two fraudulent accounts that have appeared on my Innovis credit report. Despite my disputes, Innovis has failed to properly investigate, verify, or remove these accounts within the legally mandated timeframe. Their continued negligence has caused significant financial and reputational harm to me and my business. 

I am formally requesting that the CFPB enforce the immediate removal and blocking of these fraudulent accounts under the Fair Credit Reporting Act ( FCRA ), Identity Theft Laws, and other federal and state regulations. Additionally, I request that this complaint be included in the CFPBs ongoing investigations into consumer reporting agencies systemic violations of federal law. 

Fraudulent Accounts on My Innovis Report : XXXX XXXX XXXX Account XXXX in XXXX Associated Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Comenity Capital XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX : XXXX Florida, XXXX, FL XXXX XXXX Committed XXXX Innovis 1. Failure to Investigate and Resolve Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Credit reporting agencies must investigate and resolve disputes within 30 days. Innovis has failed to conduct a lawful investigation or provide a valid basis for verification. 
2. Failure to Provide Verification Upon Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Innovis is required to provide a clear explanation of how disputed information was verified. Despite multiple requests for signed contracts, application records, and supporting documentation, Innovis has failed to provide any legally required proof of verification. 
XXXX. Failure to Remove and Block Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit bureaus must block and remove fraudulent accounts when a consumer provides evidence of identity theft. Despite my multiple disputes and supporting documentation, Innovis has refused to remove these fraudulent accounts. 
4. Failure to Ensure Maximum Accuracy of Consumer Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ) : Credit reporting agencies are legally required to maintain maximum possible accuracy in consumer reports. Innoviss continued reporting of fraudulent accounts violates this obligation.

5. Failure to Notify of Negative Information XXXX XXXX. XXXX : Credit bureaus and data furnishers are required to notify consumers within five days of reporting negative credit information. I was never notified of these fraudulent accounts or the associated inquiries. 
6. Failure to Protect XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit bureaus must safeguard consumer data. The presence of fraudulent accounts on my credit report demonstrates XXXX failure to protect my personal information and prevent fraudulent reporting. 
XXXX. Violations of Identity Theft Laws Identity Theft and Assumption Deterrence Act ( XXXX XXXX. XXXX ) : This law criminalizes unauthorized use of personal information. Innoviss failure to investigate identity theft complaints and refusal to remove fraudulent accounts violate consumer protections under this statute. 
XXXX. State Law Violations ( Florida Law ) Florida Statute XXXX : Identity theft is a criminal offense, and consumer reporting agencies must comply with fraud investigations. XXXX refusal to act on documented fraud violates Florida state protections. 
Requested Actions by CFPB : Pursuant to the laws cited above, I demand that the CFPB enforce the immediate removal and blocking of these fraudulent accounts under FCRA XXXX. Specifically, I request : The immediate and permanent removal of the fraudulent accounts : XXXX XXXX XXXXXXXX XXXX Account Ending in XXXX ) XXXX XXXXl XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ) A written confirmation from Innovis stating that the fraudulent accounts and any related inquiries have been permanently deleted. 
A full investigation into XXXX noncompliance with FCRA, including penalties for its repeated failure to investigate disputes within the legally mandated timeframe. 
A CFPB directive instructing Innovis to implement proper identity theft procedures and ensure that fraudulent accounts are promptly blocked and removed in compliance with federal law. 
Inclusion of this case in any ongoing CFPB actions against Innovis for systematic violations of consumer protection laws.