Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

I am writing to formally demand the immediate removal of the following inaccurate and unauthorized information from my ChexSystems report. This information was reported without my consent and is incorrect. I have attached copies of the report pages for your reference. 

XXXX. Suspected Fraud Activity - Source of Information : XXXX XXXX  XXXX - Date of Closure : XX/XX/XXXX - Account Number : XXXX - Original Charge-Off Amount : {$370.00} - Closure Status : Unpaid 2. Account Abuse - Source of Information XXXX XXXX XXXX XXXXXXXX - Date of Closure : XX/XX/XXXX - Account Number : XXXX - Original Charge-Off Amount : {$380.00} - Closure Status : Unpaid Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and legality of the information you report. The items listed above are erroneous and were reported without my authorization. 


Legal Violations and Demands : Fair Credit Reporting Act ( FCRA ) : - Section 611 [ 15 U.S.C. 1681i ] : Incomplete or Unverifiable Information : As I have not been informed by XXXX XXXX XXXXXXXX about any fraudulent activity or account abuse, I challenge the accuracy and verifiability of this information. I demand that you provide the documentation supporting these claims or immediately delete these items from my report. 
- Section 609 [ 15 U.S.C. 1681g ] : I request a complete disclosure of all the information in my file at the time of this request, including the sources of the information and the recipients of any consumer report on me furnished within the past year. 
- Section 623 [ 15 U.S.C. 1681s-2 ] : Information Furnishers ' Responsibilities : If XXXX XXXX XXXXXXXX can not provide verifiable evidence supporting these claims, they are required to notify you to delete this inaccurate information from my report. 

Gramm-Leach-Bliley Act ( GLBA ) : - This act requires financial institutions to protect the privacy of consumers ' personal financial information. If ChexSystems is considered a financial institution or if they received my information from a financial institution, they are required to notify me before sharing my data. 

State Privacy Laws : - Various states have their own privacy laws that might be applicable. For example, California 's Consumer Privacy Act ( CCPA ) grants consumers the right to know what personal information is being collected about them and how it is being used. If ChexSystems has not informed me, they might be violating these regulations. 

Demand for Proof of Contract : I demand that ChexSystems and the reporting banks provide me with copies of the original signed contracts and agreements that authorize the reporting of my information to ChexSystems. Without my explicit written consent, this reporting is illegal and violates my rights under the FCRA, GLBA, and applicable state privacy laws. 

Demand for Immediate Action : This is my final attempt to resolve this matter through ChexSystems. If these inaccurate items are not removed from my report within 30 days, and if I do not receive the requested proof of contracts, I will have no choice but to pursue legal action for non-compliance with the FCRA, GLBA, and state privacy laws, including but not limited to filing a lawsuit for damages.