Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction and frustration regarding the handling of my identity theft case by ChexSystems and the Consumer Financial Protection Bureau ( CFPB ). The lack of adherence to regulatory obligations under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and related consumer protection laws is unacceptable and has caused undue distress. The definition of identity theft, as established by federal law, includes the unauthorized use of personal information. My personal information has been stolen and misused, and ChexSystems actionsor inactionshave exacerbated this matter. Despite my multiple complaints to both ChexSystems and the CFPB, I have encountered resistance, delays, and improper demands that are neither legally mandated nor reasonable. Under FCRA 611, consumers have the right to dispute inaccurate or incomplete information, and credit reporting agencies must conduct a thorough investigation. I have yet to receive any documented evidence or copies of a completed investigation from ChexSystems or the CFPB. This failure violates my rights under the FCRA and reflects a severe deficiency in due process. The CFPBs decision to close my complaints without proof of resolution or even acknowledgment of the disputes and supporting documents I submitted is highly concerning. I am now escalating this matter to the Federal Trade Commission ( FTC ) and my state Attorney General. ChexSystems has improperly demanded a signed police report as a prerequisite to resolving my identity theft dispute. However, neither the FCRA nor FACTA mandates that consumers provide a signed police report. An FTC Identity Theft Report is sufficient under federal law to substantiate my claims and obligates ChexSystems to investigate and block fraudulent information. The XXXX XXXX Police Department has advised that the fraudulent activity remains ambiguous and speculative, delaying the issuance of a signed report. However, they recommended filing an FTC Identity Theft Report, which I have done. Despite this, ChexSystems continues to unlawfully obstruct the resolution process. ChexSystems has alleged that I provided multiple Social Security Numbers ( SSNs ) directly to them and through CFPB complaints. I demand proof of this claim. If this accusation is false, it further undermines ChexSystems credibility and adherence to lawful practices. Additionally, I submitted all necessary documents to verify my identity, including : A letter from the Social Security Administration verifying my information. A stamped affidavit with accurate personal information. A copy of my Social Security card. These documents were mailed to ChexSystems, and it is evident they were not reviewed thoroughly, as my requests for updates to my personal information were ignored. ChexSystems responses have been narrowly focused on the negative account disputes, completely disregarding my additional requests : Update personal information to reflect only the address on my drivers license ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). Remove all contact numbers except my email ( XXXX ). Remove all unauthorized inquiries. This failure to act on multiple facets of my dispute violates FCRA requirements to ensure accuracy and completeness in consumer reports. To resolve this matter, I demand the following actions be taken immediately : A complete investigation into my disputes, including all unauthorized accounts, inquiries, and incorrect personal information. Written documentation of the investigation, including proof of resolution for each dispute. Full compliance with FCRA 611 and 609 ( e ), as well as FACTA provisions protecting victims of identity theft. If these actions are not completed promptly, I will escalate this matter further by pursuing legal assistance, filing complaints with the FTC, and contacting my state Attorney General. I will also consider litigation if necessary to ensure my rights are protected and this matter is resolved. Your failure to act has already caused significant distress and financial hardship. This is unacceptable. I expect immediate and thorough resolution to this matter. XXXX XXXX XXXXXXXX XXXX, ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ChexSystems credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Address Update Request First and foremost, I demand that you immediately update my address to : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. ONLY! Contact Information Removal Remove all previous contact numbers associated with my account as I do not have a contact number at the moment. Email Update Remove ALL existing email addresses and update it to : XXXX ONLY! Negative Accounts Removal I am formally disputing and demanding the immediate removal of all negative accounts associated with my profile, specifically : XXXX XXXX XXXX XXXX XXXX # : XXXX / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX / XXXX These accounts have not been reported in accordance with the FCRA, specifically under FCRA Sections 605 ( a ), 607 ( b ), and 623, which regulate the reporting and accuracy of negative information. As per my rights under FCRA 611 ( a ) ( 1 ), I request a thorough investigation into these accounts and their immediate removal if inaccuracies are found. Inquiry Removal Furthermore, I demand the removal of the following unauthorized inquiries from my ChexSystems report, based on my rights under FCRA 604 ( a ) ( 3 ) concerning unauthorized access to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiries listed above were conducted without my authorization and violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 and FCRA 606. These accounts listed above have resulted in several fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. ) XXXX