Consumer complaint received 2023-04-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This statement is being made by me there is no third-party involved.I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached and alleged creditors have used my Social Security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist. Furthermore they are also in violation of the Graham Leach Blily Act 15 U.S. Codes section 6801and 6802. As I have given no written or verbal consent to disclose my private information to any third partiesCHEXSYSTEMS has received my FTC Identity theft report, FTC complaint and affidavit, and proof of identification via USPS certified mail # XXXX on XX/XX/XXXX signed for by CHEXSYSTEMS agent XXXX, there is no proof to the contrary. CHEXSYSTEMS is in direct violation of the FCRA section 605B 15 USC 1681c-2 Block of information resulting from identity theft as pursuant they must remove all fraudulent and inaccurate information from my consumer report no later than four ( 4 ) business days after the date of receipt.Since receiving my report via certified mail check system has failed to comply with the fair credit reporting act section 605B which clearly states FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. On XXXX XXXX I spoke with a supervisor at Check systems name XXXX employee ID numberXXXX who confirmed to me that they had received my documentation stating that I was a victim of identity theft and that check systems will not honor the FCRA and the guidelines set forth for identity theft, stating that I had to have a police report which is NOT required under the guidelines of the FCRA section 605b additionally I have contacted the federal trade commission on XX/XX/XXXX to make a follow up consumer report regarding this matter under FTC report number XXXX. This is my second complaint being filed with the CFPB regarding this matter. I have also filed a complaint with the New Jersey attorney general 's office and the XXXX XXXX XXXX regarding this matter.

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