12 Customer Reviews
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Review from Leah A
1 star11/08/2024
I had the worst experience dealing with this company. My lender asked me to reach out to them regarding an old credit card and some questions they had. Not only did I wait on hold forever the representative I had was rude, difficult to work with and not helpful. I understand lenders have to do their due diligence but their are much better ways to go about it than putting customers through an experience like this.
Factual Data, Inc. Response
11/12/2024
Factual Data provides credit information from Consumer ****************** (CRAs) to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purposed under the Fair Credit Reporting Act to obtain credit information for lending purposes. Customer and ********************** feedback is addressed and evaluated on a regular cadence.Review from Martin C
1 star04/22/2024
My Escrow company asked me to deal with Factual Data. Got two dropped calls after talking to someone Lost almost 4 hours of my life.Factual Data, Inc. Response
05/13/2024
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 purposed under the Fair Credit Reporting Act to obtain credit information for lending purposes. Customer and consumer feedback is addressed and evaluated on a regular cadence.Review from Robert C
1 star03/27/2024
This place is horrific. The company I am applying for a mortgage through is using them. They are getting half of their information wrong. So now I get to have conference calls with them and my current car loan company so that Factual Data can then tell my mortgage company what is currently owed. Why am I doing the work for them. How are they getting paid to say what I have already said and shown? They don't make any sense.Factual Data, Inc. Response
04/19/2024
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 to obtain credit information for lending purposes. Credit supplements are a product ordered by our clients which are used to update information on accounts that may not have been reported to the Nationwide Consumer Reporting Agencies at the time the credit report was requested. If you have questions about the credit supplement process, please reach out to your lender directly or our Office of Consumer Affairs Department at 888-803-6465.Review from Matt P
1 star12/12/2023
They have people who said my loan was in default yet it could not have been bc Covid paused all loans and as a result I lost the house I was supposed to mortgage. These people are uneducated half wits.Factual Data, Inc. Response
12/13/2023
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 to obtain credit information for lending purposes. If there is inaccurate information on your Factual Data credit report, we will be happy to help you dispute it. Please contact us by phone at 877-237-8317 8:00 am to 7:00 pm ET. You can also contact us by mail at PO Box 530090 Atlanta, GA 30353 or by fax at 866-516-3502.Review from Kevin G
1 star11/29/2023
I'll tell every business I can to NEVER use Factual Data for credit checking. It was an instant reaction once my lender checked my credit. Factual Data sold my data and I was inundated by phone calls over and over, at least 20 times yesterday and more today. When these companies call, they are like mosquitoes looking for blood, and they don't stop calling multiple times a day even when you tell them to take your number off their list and tell them to STOP!!!! I don't know what it is that Factual Data is doing, but it is obviously something the company is doing to trigger this or you wouldn't be seeing the same complaint over and over again. Zero stars.Factual Data, Inc. Response
11/30/2023
Factual Data does not sell your information to any third party for marketing purposes. After applying for a loan, you may be contacted by other lenders or insurance companies soliciting your business. These lenders have obtained your information through the use of trigger leads, whereby an applicant’s information is sold by Equifax, Experian, and/or TransUnion for marketing purposes.Review from Ben W
1 star09/01/2023
My bank recently used Factual Data for a credit report. Within 24 hours of them pulling my credit i received over 55 phone calls and 25 text messages from solicitors regarding "potential" loans. Clearly they sold my information. How this is even legal is beyond me. Would never recommend and frankly these guys should be put out of business with those types of shady business practices.Factual Data, Inc. Response
09/06/2023
Factual Data does not sell your information to other companies for marketing purposes. When a Factual Data customer requests a consumer’s credit file for an extension of credit, a hard inquiry is posted to the consumer’s credit file with the repositories (Equifax, TransUnion, and Experian). The repositories may sell consumer information under the Fair Credit Reporting Act to other companies for prescreened offers of credit. Those companies purchase lists to contact you with competing or supplementary offers. To opt-out of this practice with the repositories in the future, please visit optoutprescreen.com.Review from Joshua M
1 star11/18/2022
They sold our data to other mortgage lenders. If you are not on the *** not call registry you will get over 40 calls before the end of the day.Review from Maggie R
1 star10/05/2022
First the name, data is data this is repetitive and redundant. More importantly this company calls you during business hours and the first thing they request is your SSN to verify your identity without any further information. They are pushy and rude and I'm still not clear that they aren't a company designed to sell your information if not outright steal your identity. They also are wanting to pull my credit again even though the bank I'm getting the loan from has already done so. Disgusting.Factual Data, Inc. Response
10/13/2022
Factual Data provides credit information from consumer reporting agencies to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act to obtain credit information for lending purposes. Factual Data does not maintain a database of consumer information nor take part in the decisions of our clients to pull consumer reports. All access to consumer credit reports is in accordance with applicable law. Factual Data reaches out to consumers based on requests made by our clients. For the security of your information, we request the verification of identity of all consumers who we are in contact with regarding private credit information. Please contact us with any questions at ************ Monday Friday 8:00am-7:00pm ET.Review from mark k
1 star04/28/2022
Attorney General Must step in, this is harming, our years worth of hard work, this Factual Data, **** is harming our credit score, that took decades to maintain. I like to know WHY, the credit pull is impacting 60 points, what exactly is being done and why this practice is affecting so poorly.There must be some cunning reason behind so others can't obtain a certain threshold.I see absolutely nothing, that gives them a reason to harm and bring credit points down so low.We need thorough explanation and answers, and remedy to bring the credit where it was previously. This is a malacious practice to harm.Factual Data, Inc. Response
04/29/2022
Factual Data provides credit information from consumer reporting agencies to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act to obtain credit information for lending purposes. For information about which company accessed your credit report, please contact us at 877-237-8317 Monday – Friday 8:00am-7:00pm ET. Factual Data does not calculate credit scores. The credit scores on Factual Data credit reports are FICO scores. Per FICO, in general, credit inquiries have a small impact on your FICO Scores. For additional information about FICO scoring, please reach out to FICO at www.myFICO.com.Review from paul c
1 star02/21/2022
After speaking with Ms ****** with CBC companies I now know she also has access to my credit profile prepared by Factual Data without my authorization. So in addition to the 300 plus employees of Factual D she as a person employed by the parent company *** is able to see my personal information. This valuable credit history of mine has been breached by these companies at a loss to me due to a credit hit on 2 separate inquires in a single day while they all make a profit. Guess they are making a living by doing direct harm to a Consumer in *******. These companies making tens of millions should be stopped from making inquiries to a consumers credit without a direct authorization. Transunion, Equifax and Experian should reject these credit damaging practices as money making tactics against ******* Consumers!Factual Data, Inc. Response
02/24/2022
Factual Data provides credit information, when requested, from Consumer ****************** to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act to obtain credit information for lending purposes. Factual Data does not maintain a database of consumer information. All access to consumer credit reports is in accordance with applicable law.
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