Consumer complaint received 2023-04-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX ChexSystems XXXX XXXX. 
ATTN : XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX RE : REQUEST LETTER TO REMOVE INACCURATE INFORMATION RE : CONSUMER ID XXXX To Whom It May Concern, Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. 1681 a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states tat Is the consumer reporting agencys responsibility to ensure that all information contained within consumer flies is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating and the disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681 a ( d ), to third parties.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., Burke v. Experian Info. Sols., Inc. , 2011 WL 1085874, at *4 ( E.D. Va. Mar. 18, 2011 ) ( breaking down the requirements of 1681 e ( b ), and explaining that assure means to make sure or certain : put beyond all doubt, [ m ] aximum means the greatest in quantity or highest degree attainable [, ] and possible means something failing within the bounds of what may be done, occur or be conceived. ( quoting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; 2. Comply with the investigation requirements, as required by 15 U.S.C. 1681| ; 3. Should not provide consumer file to companies without determining that these companies had permissible purpose to obtain consumer file pursuant to 15 U.S.C. 1681b ; 4. Provide consumer file pursuant to 15 U.S.C. 1681g ; 5. et seq. 
Accordingly, I request your company to proicde verifable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory infomration from my consumer report. 

For your convience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my autorized inquiries. Please correct this by the removal of these litems from my consumer report. See. Exhibit A. 

Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the accounts/items I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. 

I know that your company will need some sort of certification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX I sent this letter via certified mail to ensure this matter is resolved within the required thirty ( 30 ) day window so as to avoid any violation of the FCRA. Finally, please send me a copy of the changed consumer report at the earliest. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX ENCLOSED ARE THE FOLLOWING TWO DOCUMENTS THAT VERIFY MY IDENTITY ID/Drivers License Social Security Card EXHIBIT A I hereby dispute these derogatory accounts and request the following items be thoroughly investigated and deleted from my consumer report, please see below : Name of Account, Name of Source, Type of Item Account Number of Identifier Please correct the spelling of my name and delete others : XXXX XXXX XXXX XXXX XXXX phone number ( s ) as they dont belong to me : XXXX, XXXX. XXXX My current phone is : XXXX Please delete all addresses as Ive never resided there : XXXX XXXX XXXX Ct XXXX XXXX XXXX, XXXX, IL. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX & XXXX XXXX XXXX XXXX XXXX, IL XXXX My current address is XXXX XXXX XXXX XXXX, XXXX, IL. XXXX. 
Please delete all fraudulent accounts that were opened without my authorization : XXXX XXXX XXXX  Acct. # XXXX {$410.00}. XXXX XXXX XXXX  Acct. # XXXX {$550.00}. XXXX XXXX  Acct. # XXXX {$210.00} & Acct. # XXXX {$1400.00} ( Duplicate Account? ). XXXX XXXX Bank Acct. # XXXX {$310.00}. 
Please remove all inquiries as I did not authorize the use of my personal information : XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ADDITIONALLY *Please add a promotional suppression to my consumer file. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  personally known to me ( or proved to me on the basis of satisfactory evidence ) to be the person ( s ) whose name ( s ) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity ( ies ), and that by his/her/their signature ( s ) on the instrument the person ( s ), or the entity upon behalf of which the person ( s ) acted, executed the instrument. 










CONFIDENTIAL AND PRIVILEGED This document contains privileged and confidential information intended only for the use of the addressee named above. If you are not the intended recipient, or the employee or agent responsible for delivering it to the intended recipient, you are hereby notified that any dissemination or copy of this letter is strictly prohibited. If you have received this in error, please notify me immediately via email and XX/XX/XXXX return the original copies to me at the above address via U.S. Mail. 
Thank you.

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