Innovis security freeze, dispute and report request: where each one goes

An Innovis security freeze can be requested three ways, and Innovis lists all of them on its Security Freeze page: an online form, a phone call to 1-866-712-4546, or a one-page form mailed to Innovis Consumer Assistance, PO Box 530088, Atlanta, GA 30353-0088. We read that page, and the forms it links, on 13 Nov 2026.

The same box takes disputes, report requests, fraud alerts and opt-out requests. What changes is the form and the phone number. The table below sorts them out.

One PO box, five kinds of request

What you are asking for	By mail to Innovis Consumer Assistance, PO Box 530088, Atlanta, GA 30353-0088	Phone Innovis lists	Innovis source, read 13 Nov 2026
Security freeze: place, lift, remove, new PIN	Security Freeze Request form	1-866-712-4546	Security Freeze page
Dispute of something in your report	Investigation Request form	1-866-712-0021	Dispute Resolution page
Copy of your Innovis Credit Report	Credit Report Request form	1-866-712-0021	Credit Report page
Fraud alert or active duty alert	Fraud & Active Duty Alert Request form	1-866-712-0021	Fraud & Active Duty Alerts page
Opt out of prescreened offers	A written request	1-888-567-8688	Opt-Out / Opt-In page

The freeze line and the dispute line are different numbers. The general number in the footer of innovis.com, 1-800-540-2505, is a third.

What an Innovis security freeze does

In Innovis's words, a Security Freeze "prevents your Innovis Credit Report from being accessed by most third parties in connection with an application for new credit." The same page lists who can still see the report with a freeze in place:

• companies that have current accounts or relationships with you,
• collection agencies acting for those companies,
• credit monitoring companies,
• state or local agencies, including law enforcement and child support agencies,
• federal government agencies as permitted under the Fair Credit Reporting Act.

Innovis's Learning Center adds that this access "varies by state." It also answers the questions people ask most:

• Cost. "There is no charge for the addition, temporary lift, or removal of a Security Freeze."
• How long it lasts. Until you ask Innovis to remove it.
• Your own report. You can still order and view your Innovis Credit Report.
• The PIN. Innovis mails a confirmation letter with a 10-digit Security Freeze PIN. You use it to lift or remove the freeze later.

How fast: what Innovis says and what federal law says

Innovis gives its own timing: freezes "are typically added within three business days after your request has been received, or as required by state law," and "most state laws require us to lift a Security Freeze within three business days after we receive your request."

Federal law has a freeze rule as well, in 15 U.S.C. 1681c-1(i). For the agencies it covers, a freeze must be placed within one business day of a request by phone or secure electronic means, and within three business days of a request by mail. Removal is one hour by phone or online and three business days by mail. The subsection covers agencies described in section 1681a(p): those that compile both public record information and credit account information on consumers nationwide.

Innovis's freeze pages do not cite that subsection and do not say whether Innovis counts itself among those agencies. So the only timing we can report for Innovis is the one it publishes: typically three business days, plus 7 to 10 business days for the confirmation letter to reach you by mail.

Freezing by mail: what the form asks for

The Security Freeze Request form is one page. It asks for:

• the request type: a new freeze, a temporary lift between two dates, a temporary lift for one named third party, permanent removal, or a new Freeze PIN,
• your Freeze PIN, if the request is about an existing freeze,
• whether you are a victim of identity theft,
• first and last name, phone number, Social Security number and date of birth,
• current address, city, state and ZIP.

It also asks for two enclosures. Proof of current address can be a copy of an unexpired government-issued ID, a recent utility bill, a current signed lease, a recent paystub, a recent W2 or a recent bank or credit union statement. Proof of name can be a copy of an unexpired government-issued ID, a Social Security card, a birth certificate, a marriage license, a Medicaid or Medicare card or a recent W2. Innovis keeps a chart of which document proves what.

The form has no signature line. That matters for how you can mail it, and it is different from the LexisNexis freeze form, which has one.

Disputing what is in your Innovis report

Innovis takes disputes online through an Innovis Personal Account, by phone at 1-866-712-0021, or on its Investigation Request form sent to the same box. The form covers up to five accounts. For each one you give the company name and account number and pick up to two reasons from a list: balance incorrect, not my account, account closed, account paid before being sent to collection or charged off, account never paid late, account paid in full, account included in bankruptcy, victim of identity theft, or other. A separate block is for a wrong name, address, Social Security number, date of birth or phone number.

The form states the timing: "Investigations are completed within 30 days of the date they are received, unless you send Innovis additional information." Results come by mail, and Innovis says to allow 7 to 10 business days for delivery. The 30 days match the Fair Credit Reporting Act, which gives a consumer reporting agency until the end of the 30-day period that begins when it receives the dispute, with up to 15 more days if you send relevant information during that period (15 U.S.C. 1681i).

Two more points from Innovis's dispute questions:

• Innovis sends the dispute, "if necessary, to the source that reported that information," along with the documents you provide.
• If the result does not settle it, you can add a statement of up to 100 words to your report by mailing it to Innovis.

A form is not the only way to write. A dispute letter in your own words works too, and Innovis's Learning Center says a dispute needs your identifying details, a clear description of the dispute and a list of the items. Sending a dispute does not mean the item will be changed or removed.

Getting your Innovis report first

You cannot dispute what you have not seen. Innovis says there is no charge to order your report, and that you can order online, by phone at 1-866-712-0021, with the Credit Report Request form, or in person. A mailed report is sent "within 7-10 business days after your request is received."

The annual report site covers Equifax, Experian and TransUnion, and as Michigan's Attorney General puts it, "Innovis must be contacted separately." The CFPB's entry for Innovis gives the same Atlanta box and describes the company as a subsidiary of CBC Companies.

An old address is still out there

Some state consumer pages still print P.O. Box 1640, Pittsburgh, PA 15230 for Innovis. Michigan's Attorney General page on credit freezes is one we read on 13 Nov 2026. That box is not on Innovis's contact page, on any of the three mail forms above, or in the CFPB's entry. Each of those gives PO Box 530088, Atlanta, GA 30353-0088. Use the address Innovis prints on its own form.

Mailing your request with Certisent

Because the Innovis forms carry no signature line, a filled-in form can go through Certisent, and so can a dispute letter in your own words.

1. Fill in the Innovis form on your computer, or write your letter.
2. Put the form or letter and copies of your two proofs in one PDF. Those pages include your Social Security number and ID, and they pass through our system to be printed. If you would rather not upload them, the Innovis online form and phone lines need no paper at all.
3. The recipient is already set: Innovis Consumer Assistance, PO Box 530088, Atlanta, GA 30353-0088. Add your own name and address as the sender.
4. Check the preview and pay $14.99. We print the pages and hand them to USPS as Certified Mail, and you get the tracking number, a proof of mailing and the electronic return receipt.

We cannot promise a delivery date. We are not a credit repair organization. You pay for mailing, nothing else, and what the form or letter says is up to you.