Consumer complaint received 2022-09-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is being made by me there is no third party involved. 
I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. Furthermore they are also in violation of the Graham Leach Blily Act 15 U.S. Codes section 6801and 6802. 

On XX/XX/XXXX, CHEXSYSTEMS agent XXXX XXXX received via certified mail number XXXX XXXX XXXX XXXX XXXX my FTC identity theft report, notarized FTC identity theft affidavit and proof ID. CHEXSYSTEMS has removed the fraudulent inaccurate addresses and email address on my consumer report but has failed to comply with the Fair Credit Reporting Act and remove the fraudulent in accurate account from XXXX XXXX  from my consumer report. If this fraudulent an accurate account is not removed from my consumer report within four days as required by the FCRA, I will file a lawsuit for damages for civil liability for willful noncompliance. pursuant to 15 U.S.C 1681n.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Indeed, no more than an affidavit is necessary to make the prima facie case. United States v. Kis, 658 F.2nd, 526, 536 ( 7th Cir. 1981 ) ; Cert Denied, 50 U.S. L.W. 2169 ; S. CtXXXX XX/XX/XXXX I have already filed a complaint with the XXXX XXXX XXXX  regarding this matter under case number XXXX.

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