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Request for Credit File From Innovis

Request for Credit File From Innovis

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Published by Yaw Mensah Atum Ra

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Published by: Yaw Mensah Atum Ra on Feb 11, 2012
Copyright:Attribution Non-commercial

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10/15/2012

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REQUEST FOR CREDIT FILE FROM INNOVIS
Innovis is the 4
th
credit bureau in this country and believe me, many creditors arereporting consumer information to this database. In addition, some creditors are usingthis information. However, they are currently refusing to give out consumers their creditreports, as is their rights under the FCRA. Why do you want to see it? To removedamaging information from it, just as you would want to correct your Experian, Equifax,or TransUnion files. _____________, 2010Innovis Data Solutions VIA FACSIMILE ANDP.O. Box 219297 U.S. MAIL CERTIFIEDHouston, Texas 77218-9297Re: Demand for Disclosure of Consumer Credit FileDear Sirs:This letter is in regards to a very serious problem which I have encountered with your organization. If not promptly resolved to my satisfaction, this problem will likely haveserious legal and financial repercussions for your company.On ____________, 2010, I sent you a written request for disclosure of any and all creditfiles which Innovis maintains on me. A copy of my correspondence is enclosed for your reference. On or about _________, 2010, I received from you an unsigned form letter, acopy of which is enclosed, wherein you state that “Innovis has received your request toupdate your credit report” and that Innovis is “developing a credit database and currentlyInnovis does not provide online credit reports to businesses where you apply for credit,insurance, or employment.” [Emphasis in original.]As you will note in my __________ correspondence, at no point did I request that Innovis“update my credit report” or provide me with an “online credit report”. Rather, Irequested in the plainest terms that you simply provide me with a written copy of thecredit file which you are maintaining on me. Despite the clarity of my letter, your company saw fit to send me a completely non-responsive reply to my disclosure requestrather than to provide me with the information to which I am entitled. This is a whollyinappropriate and legally insufficient response.As you know or, at least should know, the federal Fair Credit Reporting Act (“FRCA”),specifically 15 USC 1681, et seq., requires that upon request, a consumer reportingagency must disclose to an individual his or her credit file upon receipt of appropriate

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