Consumer complaint received 2020-02-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: ND
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:
Dear Sir or Madam : I, XXXX XXXX XXXX ( the Complainant ) had received, my Chex System Inc. ( ChexSystems ) Consumer Identification Number, XXXX, report file dated on XX/XX/XXXX sent by way of the United States Postal Service ( USPS ) mail Carrier who had placed, my ChexSystems Consumer Report into my residential building located at XXXX XXXX XXXX XXXX, XXXX  XXXX, in the City of XXXX, in the State of XXXX XXXX  and in the zip code area of XXXX, mail box dated on XX/XX/XXXX. And, I had noticed onto my ChexSystems Consumer Identification Number, XXXX, report file dated on XX/XX/XXXX, two ( 2 ) unknown fictitious full names ( XXXX XXXX XXXX ) and one ( 1 ) very old cellular phone number are as follows : 1. XXXX XXXX XXXX, 2. XXXX XXXX XXXX, and 3. XXXX ( See Exhibit A ) which the [ se ] above XXXX XXXX XXXX   are unknown fictitious full names and one ( 1 ) very old cellular phone number are known as, unknown aliases to I. In accordance to the United States Federal statute states : The actual statutes governing the using of XXXX  XXXX XXXX is a Corpus Juris Secundum ( CJS ) 67A Parties 171, as unknown and Fictitious Name as case : 816 So. 2d 367, 153 A.2d 594, 788 A.2d 867 and 306 A.2d 186.

To be ignorant of the [ se ] name [ s ] of the [ se ] Defendant [ s ], as basis for designating that the [ se ] Defendant [ s ] by a fictitious name [ s ] and amending of this complaint when the [ se ] Defendant [ s ] true name [ s ] which matches their authentic or original identification of goods, identity instruments and identifiers are discovered, so that the Complainant, through her complaint relations can return back to this original or amended complaint [ s ] can avoid the bar of the statute of limitations, and the Complainant must be ignorant of the identities of the [ se ] Defendant [ s ] and, ignorant of the facts giving rise to a cause of actions against the [ se ] Defendant [ s ] or, unaware that the laws provided a cause of actions against the [ se ] Defendant [ s ]. 

My full legal name, XXXX XXXX XXXX is extremely rare within the United States quantifiable and algorithm data files systems. Therefore, my questions are to the ChexSystems customer services representative [ s ] or manager [ s ] are as follows : 1. How was XXXX  XXXX XXXX  were able to obtained banking institutional clearances from ChexSystems in order to opened a checking, savings and [ or ] investment accounts and [ or ], cleared handwritten personal checks without XXXX  XXXX XXXX  using their own actual authentication features or Personal Identifiable Information ( PII ) used, as proof or evidence to who [ m ] XXXX  XXXX XXXX  really are? 
2. When XXXX  XXXX XXXX  does not match my authentic or original date of birth, social security number, XXXX XXXX State, real identification driver license card number, passport number, email address ( XXXX ) and residential address [ es ] including my other PII such as, my educational attainments academic number [ s ] and birth certificate number?

In advance, ChexSystems employees knowingly and willfully knew, he or she is mandated to uphold the Federal, Fair Credit Reporting Act ( FCRA ) under Title 15 U.S.C. 1681 et seq. in order to promote ChexSystems accuracy, fairness and privacy of information in an algorithm data files for consumer  reporting representation profiles and inquires requests. However, please keep in mind, I am not implying and [ or ] accusing ChexSystems employees in favor of facilitating or promoting fraudulent activities such as, identity thefts within the ChexSystems files reporting system. Instead, I am implying the [ se ] accomplices are some banking institutions, rental agencies and retailer industries employees who [ m ] are agitator [ s ] or agent provocateur [ s ] in favor of facilitating and promoting identity thefts and false personations criminal acts within the [ se ] banking institutions, rental agencies and retailer industries. 

After, XXXX XXXX XXXX  had intentionally changed his or her legal full name ; in order to match, link, connect, mirror, alter and [ or ] manipulate against my full legal name, XXXX XXXX XXXX onto their false authentication features and to insert false and [ or ] actual authentication features into my ChexSystems consumer identification number, XXXX, reported file data without my legal authorizations, consents, acknowledgements or knowing and willful participations into XXXX XXXX XXXX said, aliases full names changed conspiracies into those banking institutions, rental agencies and [ or ] retailer industries forged applications signatures. Nor was I sent, any official notification [ s ] from those banking institutions, rental agencies and [ or ] retailer industries that my actual authentication features or PII had been unlawfully compromised by their employees, customers or non-employees ( affiliates ). 

Furthermore, XXXX XXXX XXXX had unlawfully changed his or her legal full name with a malice aforethought in premeditated criminal intents ; in order to match, link, connect, mirror, alter and [ or ] manipulate  against my legal full name, XXXX XXXX XXXX in which, XXXX XXXX XXXX obtained unlawfully accesses to my XXXX XXXX  State, and XXXX birth State and Federal Agencies files data systems using their supposedly his or her legitimate court document [ s ] name changes that matches against my legal full  name, XXXX XXXX XXXX unlawfully without XXXX XXXX XXXX actual authentication features or PII proofs or evidences. While the [ se ] banking institutions, rental agencies and retailer industries employees knowingly and willfully knew XXXX XXXX XXXX actual authentication features or PII ( e.g. date of births, social security numbers, state driver licenses and [ or ] state identification cards numbers, passport numbers, email addresses, birth certificates numbers, residential addresses, academic transcripts numbers and etc. ) does not match my XXXX XXXX State, and XXXX  birth State and Federal agencies governmental files data systems. And, somehow, XXXX XXXX XXXX are repeatedly able to slip through either National Security Clearances investigations and face-to-face checkpoints profiles and forensic biometrics cracks into security background checks using false authentication features and to insert false and [ or ] actual authentication features. In order to impede, hinder or obstruct identity thefts and false personations investigations against XXXX XXXX XXXX from any Law Enforcement and [ or ] credit bureau agencies with the purpose of intentionally and deliberately disidentified me onto my ChexSystems consumer identification number, XXXX, reported file data account. In an unfair investigative and [ or ] deceptive business practices are those ones that offends an established public policy [ FCRA ], in a [ n ] immoral, unethical, oppressive, unscrupulous or substantially injurious actions against me by ways of XXXX XXXX XXXX who [ m ] intentionally and deliberately changed his or her legal full names. In order to obtained unlawfully accesses to my XXXX XXXX State, and XXXX birth State and Federal Agencies files data systems background actual authentication features, identification of goods and documentations by ways of false authentication features and to insert false and [ or ] actual authentication features using DOE ET AL legal full names changes that matches against my full legal  name, XXXX XXXX XXXX. 

Intended for the ChexSystems future references regarding my unbelievable continuous violations and retaliations circumstances into XXXX XXXX XXXX legal full names changes that matches against my legal full name, XXXX XXXX XXXX, I had not written any manual banking institutional handwritten personal checks, since XXXX. Also, I have been a customer of XXXX XXXX XXXX, banking institution for more than nine ( 9 ) years with only four ( 4 ) active and official bank accounts held in my full legal name, XXXX XXXX XXXX. And, I will only disburse payees payments through my online XXXX XXXX XXXX  accounts, in order to generated checks paid to payees which, XXXX XXXX XXXX  has potentially eliminated identity thefts from XXXX XXXX XXXX handwritten personal checks forgeries. 

This letter is intended to contextualize legal binding acknowledgements that I, XXXX XXXX XXXX ( the Complainant ) had not authorized, consented, acknowledged, waived my legal rights in affidavits and [ or ] Power of Attorneys to any person and [ or ], knowingly and willfully participated in a said, XXXX  XXXX XXXX  full names changes aliases fraudulent activities in identity thefts and false personations conspiracies.

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