Product: Debt or credit management

FORMAL COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : Multiple FCRA Violations by ChexSystems - Unauthorized Reinsertion, False Information, and Failure to Honor Security Freeze To Whom It May Concern : I am writing to file a formal complaint against ChexSystems , Inc. for multiple violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Gramm-Leach-Bliley Act ( GLBA ).

Complaint Details 1. Unauthorized Reinsertion of Previously Deleted Information ChexSystems has reinserted previously deleted inquiries without providing required notification or furnisher certification as mandated by FCRA Section 611 ( a ) ( 5 ) [ 15 U.S.C. 1681i ]. The following inquiries were previously removed and improperly reinserted : XXXXXXXX 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 XXXXXXXX XXXX. Unauthorized Alteration of Personal Information My legal name was altered without authorization from XXXX XXXX to XXXX XXXX XXXX, constituting a violation of FCRA Section 607 ( b ) requiring maximum possible accuracy.

3. Failure to Honor Security Freeze and Opt-Out On XX/XX/year>, I placed both a security freeze and opt-out request on my ChexSystems report. Today, I discovered these protective measures were not implemented, violating both FCRA and GLBA provisions regarding consumer rights to restrict information sharing.

4. Refusal to Correct Information A ChexSystems representative explicitly stated they couldnt correct my consumer report despite clear evidence of inaccuracies, violating FCRA Section 611 requiring prompt and complete investigation of disputed information. 
5. Previously Deleted Contact Information Reinserted A telephone number ( XXXX ) that was previously disputed and removed has been improperly reinserted. 
Relevant Legal Frameworks The violations documented above contravene multiple regulatory frameworks : FCRA Sections 607 ( b ) and 611 ( a ) ( 5 ) regarding accuracy and reinvestigation FACTA provisions regarding consumer right to security freezes GLBA privacy and opt-out provisions Metro 2 reporting format compliance requirements FTC Act provisions regarding unfair and deceptive practices Requested Actions I respectfully request that the CFPB require ChexSystems to : 1. Immediately remove all reinserted inquiries 2. Restore my correct legal name of XXXX XXXX XXXX. Properly implement my security freeze and opt-out requests 4. Remove the telephone number that was improperly reinserted 5. Cease sharing my information with unauthorized third parties 6. Provide written confirmation of all corrections 7. Provide a complete accounting of all parties who have received my information I have attempted to resolve this matter directly with ChexSystems without success. Their representative explicitly refused to make corrections to which I am legally entitled. 
Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX Attachments : Copies of ChexSystems reports showing disputed information Documentation of security freeze and opt-out requests dated XX/XX/year> Previous correspondence with ChexSystems