Innovis
Innovis Data Solutions is a US consumer reporting agency with 25+ years of operating history, providing financial institutions with API-based fraud detection (FailSafe) and identity verification, while offering consumers free credit reports, security freezes, and identity protection services.
- Company typePrivate
- Founded-
- HeadquartersColumbus, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingSoftware
What Innovis does
Innovis Data Solutions, Inc. is a US-based consumer reporting agency operating for over 25 years from Atlanta, Georgia, with a workforce of 51-100 employees. The company operates two distinct portfolios on a shared credit data infrastructure. Its consumer-facing business provides free credit reports, security freezes, fraud and active duty alerts, dispute resolution, identity-theft and human-trafficking blocks, and opt-out/opt-in services, with consumer credit reports and security freezes provided at no charge in line with consumer protection requirements. Its business-to-business portfolio sells consumer reporting data, fraud detection, identity verification, and receivables intelligence to financial institutions and other businesses operating with permissible purpose under the Fair Credit Reporting Act.
The core technology stack is an API-first consumer reporting platform. Flagship B2B products include FailSafe, a multi-layered fraud detection solution that combines phone ownership verification, velocity and behavioral checks, real-time device and telco signals, and phone hijacking detection with multi-factor authentication options (OTP, One-Time Link, Dynamic 2-Way SMS); ID Cross Check, an automated identity verification tool for KYC and USA PATRIOT Act compliance; the Identity Index, which emits a 0-99 risk score with reason codes and confidence bands for routing decisions; Right Party Contact for address and phone intelligence in collections; Atlas for e-OSCAR dispute processing; PinPointe for tradeline review; and Protected Prefill, a digital onboarding accelerator that combines minimal-input prefill with FailSafe checks.
The business model is B2B subscription-driven with quote-based enterprise pricing and annual billing cadence, monetized through API access and embedded integrations. Innovis reaches customers directly through enterprise sales (Schedule a Demo motion) and indirectly through a network of ten integration partners (Alloy, CRIF Select, DMS, GDS Link, Lightico, masterQueue, MeridianLink, Salesforce, Synergent, and Zoot), which embed Innovis data into the dominant lending, decisioning, and CRM platforms used by US financial institutions. The company is privately held with no disclosed parent, no disclosed funding history, and operates exclusively within the United States.
Innovis firmographics
Firmographics- Name
- Innovis
- Legal name
- Innovis Data Solutions, Inc.
- Website
- https://innovis.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Innovis Data Solutions is a US consumer reporting agency with 25+ years of operating history, providing financial institutions with API-based fraud detection (FailSafe) and identity verification, while offering consumers free credit reports, security freezes, and identity protection services.
- Ownership category
- akta.pro rank
Innovis industry classification
Industry- Product category
- Consumer Credit Reporting
- NAICS
- Credit Bureaus (561450), Credit Bureaus (56145)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI)
- akta.pro secondary industries
- Fraud Detection & Transaction Monitoring (FSAMALAA), Identity Verification (IDV) & Document Verification (FSAMALAE)
Keywords
Where Innovis is headquartered
LocationHeadquarters
- HQ city
- Columbus
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Innovis business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Consumer Credit Reports: Innovis provides free credit reports to consumers. This is a core consumer-facing service offered at no charge as required by consumer protection regulations.
- Business-to-Business Data Services: Innovis sells consumer reports containing personal information to business customers with permissible purpose under FCRA. Business solutions include FailSafe fraud detection, ID Cross Check identity verification, and other data services delivered via API.
- Security Freeze Services: Free security freeze services for consumers - no charge for addition, temporary lift, or removal.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Annual | Consumer Credit Report - Free |
| Freemium | Annual | Security Freeze - Free |
| Subscription | Annual | Business Solutions - Custom Pricing |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
Innovis product offering
Product offeringCore offering
Innovis is a U.S. consumer reporting agency that sells consumer credit reports, identity data, and ancillary data services to financial institutions under FCRA permissible purpose, and provides free consumer-facing credit management tools. Its business portfolio centers on fraud detection (FailSafe), identity verification (ID Cross Check), receivables intelligence (Right Party Contact), dispute processing (Atlas), and tradeline review (PinPointe), delivered via APIs and partner integrations. The consumer portfolio delivers free credit reports, security freezes, fraud and active duty alerts, dispute resolution, fraud/identity-theft blocks, human trafficking blocks, and opt-out/opt-in services.
Product overview
Innovis is a consumer reporting agency offering a dual-portfolio approach with separate business-to-business and consumer-facing solutions. The business portfolio includes FailSafe (multi-layered fraud detection with Identity Index), ID Cross Check (KYC identity verification), Right Party Contact (address/phone services for receivables), Atlas (e-OSCAR dispute processing), PinPointe (tradeline review), and Protected Prefill (digital onboarding acceleration). The consumer portfolio includes Credit Report access, Security Freeze, Dispute Resolution, Fraud & Active Duty Alerts, Block (fraud/identity theft), Human Trafficking Block, and Opt-Out/Opt-In services. The two portfolios operate on the same underlying credit reporting data infrastructure but serve distinct audiences.
Differentiator
Problem solved
Functional benefit
Products and services
- FailSafe
Companies that use Innovis
Customer profileNamed customers4 records
Segments2 records
Ideal customer profiles2 records
Innovis technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability3 records
Feature7 records
Innovis partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- AlloycoreIntegration partner providing system connectivity for accessing Innovis data. Part of dedicated team to assist with direct system integrations.
- CRIF SelectcoreIntegration partner for accessing Innovis data through CRIF Select platform.
- DMScoreIntegration partner providing connectivity for Innovis data access.
- GDS LinkcoreIntegration partner enabling access to Innovis data through GDS Link platform.
- LighticocoreTechnology partner providing phone verification solution in collaboration with Innovis to help reduce fraud.
- masterQueuecoreIntegration partner for accessing Innovis data.
- MeridianLinkcoreIntegration partner enabling access to Innovis data through MeridianLink platform.
- SalesforcecoreIntegration partner providing CRM connectivity for accessing Innovis data.
- SynergentcoreIntegration partner for credit union-focused access to Innovis data.
- ZootcoreIntegration partner providing platform connectivity for Innovis data access.
Scale indicators1 record
Recent moves5 records
Expansion highlights5 records
Innovis competitors and assessment
Company assessmentEmerging players
- ID.me: Digital identity verification network providing KYC/identity proofing for government, financial, and healthcare verticals, partially overlapping with Innovis's ID Cross Check identity verification capabilities.
- Alloy: Identity decisioning platform for FIs and fintechs that competes with Innovis's ID Cross Check and FailSafe while also serving as an Innovis integration partner, creating dual competitor-and-channel relationship.
Broad incumbents
- FICO: Dominant credit scoring and analytics provider whose FICO Score and Falcon fraud platform overlap with Innovis's scoring-adjacent Identity Index and fraud detection offerings.
- LexisNexis Risk Solutions: Major provider of data and analytics for risk, fraud, identity verification, and compliance, with overlapping products in KYC, fraud detection, and collections intelligence that compete with Innovis's business portfolio.
- Experian: One of the three dominant U.S. consumer reporting agencies, offering consumer credit reports, fraud prevention (Experian IdentityWorks), and identity verification products directly overlapping with Innovis's entire portfolio but at vastly greater scale.
- TransUnion: Third major U.S. CRA offering consumer credit reports, fraud prevention, and identity verification (TransUnion IdentityForce, TruValidate), competing directly across all of Innovis's product lines.
- Equifax: Top-tier U.S. consumer reporting agency with KYC, fraud detection, and identity verification solutions (Equifax Workforce Solutions, IDWatchdog) that compete head-to-head with Innovis's B2B and consumer offerings.
Direct peers
- ChexSystems: Consumer reporting agency specializing in deposit account and check verification, serving a similar niche CRA role to Innovis for financial institutions with overlapping compliance and authentication use cases.
- Early Warning Services: Bank-owned consumer reporting agency offering identity, fraud, and payment risk services (Plaid-owned), directly competing with Innovis's FailSafe and ID Cross Check products for financial institution accounts.
- CRIF: Global credit bureau and decisioning platform with a U.S. presence (CRIF Select), competing in credit reporting, identity verification, and fraud detection while also serving as an Innovis integration partner.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Innovis social profiles
Digital presenceInnovis compliance and trust
Trust signalCompliance1 record
Innovis financial estimates
Financial estimateRevenue estimate
Valuation estimate
Innovis leadership team
Management profileNumber of profiles
Profiles2 records
Innovis funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Innovis M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Innovis
What does Innovis do?
Innovis is a U.S. consumer reporting agency that sells consumer credit reports, identity data, and ancillary data services to financial institutions under FCRA permissible purpose, and provides free consumer-facing credit management tools. Its business portfolio centers on fraud detection (FailSafe), identity verification (ID Cross Check), receivables intelligence (Right Party Contact), dispute processing (Atlas), and tradeline review (PinPointe), delivered via APIs and partner integrations. The consumer portfolio delivers free credit reports, security freezes, fraud and active duty alerts, dispute resolution, fraud/identity-theft blocks, human trafficking blocks, and opt-out/opt-in services.
Is Innovis a public or private company?
Innovis is a private company. It is classified as unknown and is currently operating.
When was Innovis founded?
Innovis was founded in -1. It employs 51 to 100 people.
Where is Innovis based?
Innovis is headquartered in Columbus, United States, in the North America region.
How does Innovis make money?
Three revenue lines are on record. Consumer Credit Reports are the primary driver. The others are business-to-Business Data Services and security Freeze Services.
Who are Innovis's main competitors?
Emerging players on record are ID.me and Alloy. Broad incumbents are FICO, LexisNexis Risk Solutions, Experian, TransUnion and Equifax. Direct peers are ChexSystems, Early Warning Services and CRIF.
Does Innovis have an API?
Yes. Innovis offers APIs as part of its FailSafe fraud detection solution, enabling integration for fraud detection, identity verification, and authentication. The APIs support multiple authentication methods including One-Time Passcode (OTP), One-Time Link (OTL), and Dynamic 2-Way SMS. FailSafe APIs allow ingestion of raw attributes for internal routing and modeling, and can be accessed via direct API connection or through third-party platforms. The API capabilities include phone ownership verification, velocity and behavioral insights, and real-time device and telco signals.
What industry is Innovis in?
Innovis's product category is Consumer Credit Reporting. Its primary akta.pro industry code is FSAKAKAI, Credit File Dispute Management & Consumer Data Remediation, with a secondary code of FSAMALAA, Fraud Detection & Transaction Monitoring. Its NAICS code is 561450 and its SIC code is 7320.