Consumer complaint received 2023-01-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
CFPB and FTC must use their rulemaking responsibilities and enforcement authority to ensure that Chex Systems , Inc, aka ChexSystems, as subsidiary of Fidelity National Information Services , Inc conducts its business in full compliance with FCRA and does not interfere with XXXX Consumers businesses. 
Although XXXX Consumers are not the XXXX XXXX Chex Systems , Inc, the Company advertises and provides direct services to XXXX  Consumers such as copies of Consumer Disclosure, Reports dispute along with " Identity theft '' Protection and " Security Freeze '' Services. 
There is no Disclosure made available to Consumers about how " Identity theft '' Protection and " Security Freeze '' Services are provided and what consequential harm use of such services XXXX bring onto the Consumer! 
The harm, XXXX little private business XXXX impose on the XXXX is tremendous and unjustifiable. 
The reality is that when XXXX Person accepts the Services such as " Identity theft '' or " Security Freeze '' that Person gives up the right to act as XXXX Consumer for the period of next XXXX days or longer! 

The way the Services are provided directly to Consumer is either Online via Consumer Portal, Phone, Fax or XXXX Mail. 
When Consumer initiates the Service, ChexSystems generates the PIN that is provided to registered Consumer via Online Portal or mailed via USPS. 
The PIN is required to manage the Service when and If the XXXX Person decides to act as the Client of various XXXX businesses reliant on the access to that Person Consumer Report. 

ChexSystems ' XXXX XXXX has not been available for weeks, with no plans or timeframe of when its operation XXXX resume. 
In a meantime the PIN, that is required for making Consumer Report Accessible is only available via XXXX Postal Service. 
While it normally takes XXXX days for the letter containing the PIN to arrive to XXXX XXXX address It takes indefinite period of time if XXXX mishandles XXXX delivery! 
ChexSystems refuses to explain why XXXX Customers must depend on XXXX while dealing ChexSystems XXXX. 
ChexSystems refuses to disclose when normal operations XXXX resume. 
Normal Operations mean that XXXX Consumer and XXXX Business XXXX enter into XXXX Century transactions without ChexSystems Hindrance or XXXX Involvement. 

As of today and last several weeks, once XXXX Person becomes the Consumer of certain ChexSystems XXXX, such Person for the period of days, weeks or even months surrenders the access to credit, loan, financial services, ability to make specific purchases, obtain the tenancy or to any other goods and services where the access to Consumer Report is a permissible purpose. 
And this is only happening because XXXX little XXXX company generates the PIN but doesn't make it immediately available to the XXXX. Furthermore, where it is called " Personal Identification Number '' The Consumer is not the PIN Owner. ChexSystems, without prior disclosure or consent will delete the PIN based on its discretion and operational specification

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