How to remove yourself from CBCInnovis / Factual Data
What they publish
"Factual Data provides credit information from Consumer Reporting Agencies (CRAs) to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act (FCRA) to obtain credit information for lending purposes. Factual Data does not maintain a database of consumer information from which new credit reports are generated." Products: merged (tri-merge) credit reports, pre-qualification, pre-approval, undisclosed debt monitoring. "Factual Data does not sell your information to any third party for marketing purposes."
Removing yourself, step by step
0 of 6 done- Freeze your files at TransUnion, Experian and Equifax (addresses and phones are listed on the Consumer Assistance page) — Factual Data assembles its reports from them and holds no database of its own.
- Opt out of prescreened offers: "Call toll-free 1-888-5-OPTOUT (1-888-567-8688)" or "Visit www.optoutprescreen.com" — the page notes "trigger leads are a type of prescreened consumer report under the FCRA".
- If "Factual Data" shows as an inquiry on your credit report, contact Consumer Assistance to learn which client pulled it; to dispute the inquiry, use the inquiry-dispute form and "include the name of the client".
- To get the report a lender pulled: download the "Request a Copy of Your Factual Data Credit Report" form from the Consumer Assistance page and send it by mail to Factual Data, Attn: Consumer Assistance, PO Box 530090, Atlanta, GA 30353, or call (877) 237-8317.
- To dispute contents, send the dispute form "via fax, mail or phone"; dispute the same item with the source bureau in parallel, since the data originates there.
- Trafficking victims: mail or fax the block form to PO Box 530245, Atlanta, GA 30353 / fax 866-516-3502 with the four required items.
Tap a step to tick it off. Progress is saved in this browser only.
How they confirm it
for a copy or dispute, "If a Factual Data client requested a copy of your credit report through our system" — i.e. you must have been the subject of a client pull; the forms' identity fields are not visible (PDFs not fetched) . Trafficking block: "(i) proof of your identity, (ii) victim determination documentation, (iii) a listing of the items on your report that were adversely affected by human trafficking, and (iv) your preferred method of contact"
If they ignore you
CFPB complaint (consumerfinance.gov/complaint); state AG; FCRA §611 dispute rights
Re-listing risk for this site: Low — "Factual Data does not maintain a database of consumer information"; each report is regenerated from the bureaus on the next lender pull, so the durable control is upstream bureau freezes
Common questions
How do I remove myself from CBCInnovis / Factual Data?
Use CBCInnovis / Factual Data's opt-out page (factualdata.com/consumer-assistance). The guide above lists 6 steps, and this page writes the removal request for you to send from your own email.
Will my information come back on CBCInnovis / Factual Data?
Low — "Factual Data does not maintain a database of consumer information"; each report is regenerated from the bureaus on the next lender pull, so the durable control is upstream bureau freezes. Check again in about 60 days.