Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am submitting this formal complaint and discovery request regarding potential violations of federal and state laws by ChexSystems XXXX XXXX XXXX XXXX XXXX XXXX, and any other third parties involved in the handling of my personal information. I demand immediate action on the following : Cease and Desist : Stop all unauthorized communications, data sharing, and reporting of my personal information without my explicit consent. 
XXXX XXXX : XXXX a security freeze on my consumer file immediately. No information should be released to any third party without my direct authorization. 
Opt-Out : Exercise my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX XXXX  ) to opt out of the sale, sharing, or release of my personal information for any purpose, including firm offers of credit and insurance. 
Full XXXX : Provide full disclosure of all communications, notes, records, transcripts, and requests involving my personal information from XX/XX/XXXX, through XX/XX/XXXX. This includes every interaction, inquiry, dispute, and correspondence between ChexSystems XXXX XXXX, XXXX XXXX XXXX XXXX, and any other third parties. 
Transparency and Legitimacy : Provide proof that every instance of my information being accessed or shared was done under a permissible purpose as defined by FCRA 1681b.

Legal Analysis : Conduct a detailed analysis of whether the following laws, regulations, and compliance standards were violated : FCRA FDCPA FTC Regulations CFPB Rules XXXX Consumer Protection Laws XXXX XXXX and e-OSCAR Compliance Standards Chronological Timeline of Events XX/XX/XXXX XXXX Inquiry Requested By : XXXX XXXXXXXX XXXX XXXX XXXX Source : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX ) Activity Logged : Number of Evictions : XXXX Auto Finance Inquiries in Last XXXX  Years : XXXX Cash Advance Inquiries in Last XXXX  Years : XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX ChexSystems Privacy Policy Updated : Personal Information Collected : Name, contact details, XXXX, government ID numbers, financial data, IP address, browsing history, public records, etc. 
XXXX Rights : Consumers can opt out of the sale or sharing of personal information for firm offers of credit and insurance. 
XX/XX/XXXX ChexSystems Data Requested By : XXXX XXXXXXXX XXXX Activity Logged : Number of Accounts Consumer is Identified On : XXXX Bank Account XXXX XXXX as Fraudulent : XXXX Paid Checks in the Last XXXX Years : XXXX Open ( Unpaid ) Checks in the Last XXXX Years : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : CRAs must take reasonable steps to verify disputed information, especially when alerted to potential inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : CRAs must conduct reasonable investigations and ensure maximum possible accuracy, as required by 15 U.S.C. 1681e ( b ).

Violations Identified 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information. 
15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681n and 1681o : Liability for willful and negligent noncompliance, entitling me to statutory, punitive, and actual damages. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : Reporting false and misleading information facilitates deceptive and abusive debt collection practices.

15 U.S.C. 1692f : Allowing the continued reporting of inaccurate debts constitutes unconscionable practices. 
XXXX. XXXX XXXX XXXX, Chapter XXXX XXXX XXXX XXXX XXXX : Reporting false or misleading information about a consumer debt. 
XXXX XXXX XXXX XXXX : Engaging in deceptive and harmful practices that violate XXXX consumer protection laws. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 6802 : Failure to provide clear privacy notices or allow me to opt out of having my nonpublic personal information shared with third parties. 
XXXX. FTC Regulations FTC Safeguards Rule : Failure to protect my personal information from unauthorized access or disclosure. 
Action Required I demand the following actions : Cease and Desist : Immediately stop all unauthorized communications, data sharing, and reporting of my personal information. 
Security Freeze Implementation : Provide written confirmation that my consumer file has been frozen and is inaccessible to any third party without my direct consent. 
Opt-Out Confirmation : Confirm that my personal information has been removed from all marketing lists and will no longer be shared or sold for firm offers of credit or insurance. 
Full XXXX : Provide a detailed report of all communications, notes, records, transcripts, and requests involving my personal information from XX/XX/XXXX, through XX/XX/XXXX. 
Transparency and Accountability : Provide detailed records of how my information was handled, including the identity of all third parties that accessed or received my data. 
Legal Analysis : Conduct a detailed analysis of whether the following laws, regulations, and compliance standards were violated : FCRA FDCPA FTC Regulations CFPB Rules Texas Consumer Protection Laws XXXX XXXX and e-OSCAR Compliance Standards Compensation : I seek statutory, punitive, and actual damages for willful and negligent noncompliance under FCRA 1681n and 1681o. 
Regulatory Action : I request that the CFPB, FTC, and other relevant authorities investigate these violations and impose penalties as necessary. 
Documentation I have attached the following documents for reference : Chex Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report Legal Precedents and Case Law XXXX XXXX XXXX, Chapter XXXX XXXX CFR Part XXXX ( FDCPA Rules )

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