Consumer complaint received 2023-06-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to express my grave concern regarding the erroneous information that your organization has reported on my consumer report. I categorically state that I have never applied for any credit with your institution, and therefore, any information reported by you is not only incorrect but also misleading. 

According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ), I am entitled to dispute the accuracy or completeness of any information in my file. Moreover, Section 609 ( a ) ( 1 ) of the FCRA mandates that upon request, a consumer reporting agency must disclose all information in the consumer 's file at the time of the request, including the sources of the information. I have not received any such original application or source of information from you, which is a clear violation of my rights under the FCRA. 

Furthermore, your practices appear to be deceptive and in direct violation of the FCRA. Section 623 ( a ) ( 1 ) ( B ) of the FCRA explicitly states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

In addition to the FCRA, the XXXX XXXX Compliance guidelines, established by the XXXX XXXX XXXX XXXX ( XXXX ), require that all data furnishers report complete and accurate consumer information. Any failure to comply with these guidelines is a violation of the consumer 's rights. 

I would also like to highlight the unprofessional conduct of your representatives who dismissed my concerns and hung up on me during my attempt to resolve this issue. This is a clear violation of Section 623 ( a ) ( 5 ) of the FCRA, which mandates that a person who furnishes information to a consumer reporting agency shall promptly notify the agency if the information is found to be incomplete or inaccurate. 

Finally, it is important to note that even if XXXX XXXX has my signature stating its okay, they have still violated the law by paying Chex Systems for the information. This is in violation of Section 615 ( f ) of the FCRA, which states that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 

I demand that you conduct a thorough investigation into these matters and remove any inaccurate information from my consumer report immediately. I also expect you to provide me with documentation that you have complied with my request or a detailed explanation for your non-compliance. 

I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to do so will leave me with no option but to seek legal remedies. 

Sincerely, XXXX 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