Consumer complaint received 2023-06-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Chex Systems ' Failure to Provide Contract and Documentation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chex Systems , Inc. regarding their failure to provide me with the necessary contract and documentation pertaining to a XXXX XXXXXXXX account that is being reported on my Chex Systems report. This issue involves an alleged incident of non-sufficient funds associated with the mentioned account. 

Despite my repeated requests to Chex Systems to provide me with a copy of the contract I signed with the bank and documentation supporting the reported insufficient funds, they have failed to comply with my request within a reasonable timeframe. This lack of cooperation is concerning and raises questions about the accuracy and validity of the reported incident. 

I believe that Chex Systems ' refusal to provide me with the requested information is a violation of my rights as a consumer. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to access complete and accurate information regarding their reported accounts. It is also within their rights to dispute any inaccuracies or incomplete information. Chex Systems ' failure to fulfill these obligations is unacceptable. According to Fair Credit Reporting Act, I may be entitled to seek damages of {$1000.00} for each violation committed. 





I am seeking assistance from the Consumer Financial Protection Bureau to address this issue and ensure that my consumer rights are protected. I kindly request your intervention in compelling Chex Systems to provide me with the requested contract and documentation in a timely manner. Their continued non-compliance should be met with appropriate actions to ensure accountability. 

I have attached a copy of my correspondence with Chex Systems, including the letter requesting the contract and documentation. I kindly request that you review these materials as part of your investigation into this matter. If necessary, I am willing to provide any additional information or documentation to support my case. 

I appreciate the Consumer Financial Protection Bureau 's dedication to safeguarding consumer rights and enforcing compliance within the financial industry. I trust that your intervention will lead to a satisfactory resolution of this matter. 

Thank you for your attention to this complaint. I look forward to a prompt and fair resolution. 

Sincerely, XXXX XXXX Attachments : Letter to Chex Systems requesting contract and documentation. 
ID Docs

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