Consumer complaint received 2024-01-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to express my grave concern and dissatisfaction regarding the unresolved dispute surrounding the accounts associated with XXXX XXXX XXXX XXXX reporting on my report twice. Despite having disputed these accounts twice and having sent debt validation letters, it has been over 30 days, and I have not received any confirmation letters regarding completed and signed documentation bearing my signature for these listed accounts. This failure to comply with the Fair Credit Reporting Act ( FCRA ) is a clear violation of my rights. 
I want to draw your attention to the specific sections of the FCRA that are pertinent to this dispute : 1. **15 U.S.C 1681 : ** This section outlines the general provisions of the FCRA XXXX emphasizing the accuracy and fairness of consumer reporting. 
2. **15 U.S.C 1681a ( f ) : ** This section defines the responsibilities of consumer reporting agencies in maintaining the accuracy of information. 
3. **15 U.S.C 1681a ( d ) : ** This section establishes the obligations of consumer reporting agencies to provide consumers with information in their files upon request. 
4. **15 U.S.C 1681b : ** This section outlines the permissible purposes for which consumer reports may be furnished. 
5. **15 U.S.C 1681g : ** This section stipulates the procedures for consumers to dispute and obtain verification of information in their credit reports. 
In accordance with the FCRA, I requested the following information related to the disputed accounts : 1. Full bank account statement/statements from the original creditor. 
2. Proof that I own this debt/Proof of debt assignment. 
3. The name and address of the original furnisher/debt collector. 
4. The original contract from the original creditor with my SIGNATURE on it. 
These requests were not arbitrary but are in line with my rights under the FCRA, specifically sections 15 U.S.C 1681a ( f ), 15 U.S.C 1681a ( d ), 15 U.S.C 1681b, and 15 U.S.C 1681g. 
Additionally, I want to highlight that collection efforts on these accounts have not ceased, further compounding the violations. 
I wish to emphasize that I did not request a generic statement merely stating that these items are verified. I explicitly sought undeniable, irrefutable PROOF that the alleged accounts are verified, validated, and accurate. The failure to provide this documentation is a violation of the FCRA. 
I demand immediate action to remove the XXXX XXXX XXXX XXXX accounts from my credit report within three days of receiving this letter. Failure to comply with this demand will leave me no choice but to pursue legal action to enforce my rights under the FCRA. 
All correspondence related to this matter should be directed to the address provided above. I expect written confirmation of the removal of the mentioned accounts within the specified timeframe.

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