Consumer complaint received 2022-01-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The description as to why the accounts are to be removed/deleted follows below. Your organization is in violation of my privacy rights and consumer reporting laws. 

Supporting documentation is/will be attached to this letter. 



Please read the information below XXXX and XXXX as to not get anything confused! 

Thank You! 



To Whom It May Concern : Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- 1. Such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 2. The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and XXXX. The consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 



Please take notice, that you, ChexSystems, are operating as a for-profit organization, that is in business to collect, report, distribute, and sell personal data for the benefit of your subscribers. As mentioned in the first paragraph of this letter, you are acting as a non affiliated third party, your affiliation only pertaining to the agreement you have with your subscribers. 



I DO NOT ACCEPT ANY THIRD PARTY INTERVENORS IN MY CONTRACTS, pertaining to credit or otherwise. 



Account Information To Be Permanently Deleted : Please see attached documentation Pursuant to XXXX USC 1681b-Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates.

Pursuant 15 USC 1681 ( a ) ( XXXX ) & ( XXXX ) Accuracy and Fairness of Credit Reporting This doctrine applies to XXXX since you fall under the law of the FCRA. 

IN GENERAL ( 1 ) The banking [ consumer reporting ] system is dependent upon fair and accurate credit and consumer reporting. Inaccurate credit & consumer reports directly impair the efficiency of the banking system, and unfair credit and consumer reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

You reporting of unverified negative informaition is underming my public confidence of the banking systems and consumer reporting system. 

( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Your organization ChexSystems has disrespected my privacy of my ChexSystems consumer report. 



I, XXXX XXXX XXXX never gave ChexSystems any written consent to report anything on my consumer report. No consent is means that your company/organization has committed IDENTITY THEFT. A copy of FEDERAL LAW is attached with this dispute letter. 



Concerning the account listed below as a Federally Protected consumer undeXXXX XXXX XXXX XXXX XXXX Im demanding a deletion of this account ( XXXX ) below : Account Information To Be Permanently Deleted : Please see attached documentation You have 30 days to remove this above information and send me my updated ChexSystems report or I will be forced under my legal right to file suit for punitive damages up to {$1000.00} per occurrence.

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