Consumer complaint received 2019-11-13
Company: Innovis
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Attached is the results, dated XX/XX/2019, of my former complaint against INNOVIS. While I appreciate the removal of two items, I am asking that a MANUAL, by a human being, evaluation of my report be done. 

On page 2, XXXX XXXX XXXX XXXX Home Improvement Loan EACH ANY EVERY LATE PAY needs to be verified or removed. I don't recall ever being late on this loan. If proof of a late payment can not be shown to me, with the name of the person ( s ) who verified/validated this late payment, when payment was received, a contact number, a reference number for each supposed late pay, I want it removed or simply left blank. I was assured these would be removed and the account would show up positively for myself and the co-signer of this loan. This account should report POSITIVE, not negative. 

On Page 3, XXXX XXXX XXXX : Individual unsecured. Under the FCRA, " A charged off amount can not reflect a balance '' Because you report false information, because account balance does not reflect XXXX, I want the account removed from my report and a check for {$1000.00}, as my right per the FCRA, as your company 's erroneous reporting has impacting my score, stopping me from getting credit. 

On Page 3, XXXX XXXX XXXX : Individual credit card. The company agreed to remove this from all reports. See attached letter. 

On Page 4, XXXX XXXX : The company has not been able to send me an original contract, proof of physical signature, or a recording of me asking for a line of credit by phone or video. Under the FCRA, because this account can not be validated or verified as MY ACCOUNT, OPENED BY ME, it is not valid and has to be removed. 

On Page 4, XXXX XXXX  XXXX : VERIFY/VALIDATE the late pay of XX/XX/XXXX or remove it/leave blank so this account reports as a positive and not a negative account. Furthermore they charged off the account, so it can not have a balance if that's the route you want to go. 

On Page 5, XXXX XXXX  XXXX : VERIFY/VALIDATE every late pay from XXXX XXXX XXXX as I was never late. I was under contract with their HARDSHIP program while I was in the hospital for major XXXX and undergoing XXXX treatment and all agreed payments were made on time, on an automatic basis. Then they went and closed the account on my anyway! Guess human compassion and meeting my obligations while fighting for my life don't matter. REMOVE ALL LATE PAYS. Same reason with the account above/XXXX  Furthermore, they charged off the balance so it should now read XXXX they can not have double ammendment On Page 6,  XXXX XXXX  XXXX : The company has not been able to send me an original contract, proof of physical signature, or a recording of me asking for a line of credit by phone or video. Under the FCRA, because this account can not be validated or verified as MY ACCOUNT, OPENED BY ME, it is not valid and has to be removed. 

On Page 6, XXXX XXXX XXXX, individual credit card : The company has not been able to send me an original contract, proof of physical signature, or a recording of me asking for a line of credit by phone or video. Under the FCRA, because this account can not be validated or verified as MY ACCOUNT, OPENED BY ME, it is not valid and has to be removed. 
SEE DOCUMENTS. They don't have proof and expect me to provide what they don't have. 

On Page 7, XXXX XXXX XXXX, individual credit card : The company has not been able to send me an original contract, proof of physical signature, or a recording of me asking for a line of credit by phone or video. Under the FCRA, because this account can not be validated or verified as MY ACCOUNT, OPENED BY ME, it is not valid and has to be removed. 
Again, they can not prove this. REMOVE IT Once you have done your updates, contact the bureaus you report the information with as corrected and updated with proper removal of FALSIFIED information XXXX XXXX continues to report XXXX and XXXX on my reports. These need to be deleted as you have also deleted XXXX and XXXX. They were unable to provide proof I ever had a contract with them. In short, XXXX and XXXX made money, selling accounts they can't validate or verify which is illegal. Therefore XXXX  can not collect. Plus I don't have a line of credit with XXXX, no contract, no physical signature, no video or phone recording of me asking for a line of credit.

Company response to consumer: Closed with explanation