Consumer complaint received 2021-02-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently around XX/XX/XXXX I went to on of my local credit unions to obtain a membership and they told me that my " CHEX SYSTEMS '' report was frozen and that I would need to unfreeze it in order to obtain membership. I had previously had this issue and called this company to make sure there was no freeze on my file so that I could obtain the membership. This consumer reporting agency ( whom I have never heard of publicly ) stated that I did not have a freeze on file with them currently. After I attempted again to try and get a membership with the credit union but was told the same thing, I communicated that I had already contacting the company and was told there was no freeze attached to my file/information ( which I did not give consent to have ) and that I wouldn't need to contact them again. I have been going back and forth with both institutions who both claim its the others company 's system. All this back and forth has really frustrated me and it is not equitable me, so it is for this reason that I writing you via this CFPB portal so that I will receive a timely response and come to a solution quickly. The FTC has notified me that the the CFPB has jurisdiction over the consumer reporting agencies to enforce the rights of the consumer, so that is why you are receiving this from the CFPB. 
FOR THE RECORD, I have NEVER given my consent, neither written NOR oral, for CHEX SYSTEMS to have, maintain, store, furnish or share any of my person, private and confidential information. This is a violation of my individual right to privacy and also known as IDENTITY THEFT for unauthorized use of my private information without my consent. I am writing this to request that Chex systems cease All furnishing of any information and remove my information from their files immediately. Pursuant to 15 USC 1681b ( a ) ( 2 ) this is my written request that you CEASE, REMOVE and BLOCK ALL information you are currently furnishing using ANY of my information. There is no security freeze needed because you should NOT have my information in the first place, once again you have obtained my information and are furnishing information onto my consumer report BOTH WITHOUT MY PERMISSION OR CONSENT. This is a violation of FEDERAL LAW. 
Your unlawful furnishing of information against me on a consumer report that you maintain on my general reputation, character, credit standing, credit capacity and mode of living is currently damaging my reputation, impairing my credit standing and credit capacity, causing me great financial harm, preventing me from entering vital consumer credit transactions necessary to increase my mode of living and achieve financial prosperity for myself and my loved ones. This has caused me a severe amount of stress, emotional disorder, mental unrest, sleepless nights and a severe decline in productivity within my work environment. 
You, CHEX SYSTEMS ( a private corporation and non-interested third party ) are NOT respecting my RIGHT to privacy and will be held accountable to the full extent of the law.

If CHEX SYSTEMS disagrees with any of these facts as they have occurred I demand that a senior executive officer respond promptly attesting to any alleged facts under penalty of perjury and notary seal, also to be accompanied with DOCUMENTARY EVIDENCE that you were given my consent directly from myself to furnish and consumer reports or maintain any records on me. By law this evidence MUST be attested to under penalty of perjury and authenticated before it is admissible, less it be considered as hearsay. 
You have received everything necessary to remove and block all information pursuant to 15 USC 1681c-2 ( a ), it would be wise for your to comply with these demands. 
Once again ANY and ALL information you are reporting against me on a consumer report is theft of my identity and unauthorized use, you have done so without my consent, permission or knowledge!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation