Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
Chex Systems XXXX : Consumer Relations XXXX RE : Consumer ID XXXX XXXX Dear Consumer Relations Dept : This letter is in response to my credit report I received from you and what you are reporting. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted at the following companies that you show an inquiry on my credit report regarding these alleged accounts. You did not have my written permission nor consent to report this information. You do not have permissible purpose nor proof. These companies putting an inquiry on my credit do not have a signature or contract for any service or goods. Nor do you have a contract with my signed signature. I am requesting you provide me with these contracts showing my signature acknowledging I have a contract with these companies. If you can not provide me with a contract showing my signature, you are in violation of my civil right and following FCRA guidelines which is illegal. I am requesting immediate deletion of these inquiries listed below. 

Inquiry : XXXX XXXX A Part of XXXX On behalf of : XXXX XXXX XXXX ; inquiry date XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX On behalf of : XXXX XXXX XXXX  ; inquiry date XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX On behalf of : XXXX XXXX  ; inquiry date XX/XX/XXXX Inquiry : XXXX  XXXX On behalf of : XXXX XXXX ; inquiry date XX/XX/XXXX Inquiry : XXXX XXXXXXXX On behalf of : XXXX XXXX ; inquiry date XX/XX/XXXX I am formally requesting a copy of any documents bearing my signature, showing that I have a legally binding contractual obligation with them. 

A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. Be aware that I am making a goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, and represents a very serious error in your reporting. XXXX XXXX XXXX do not have any of these inaccurate inquiries reporting so you MUST delete to follow suit of accuracy with XXXX XXXX XXXX XXXX  by law. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see XXXX XXXX XXXX, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state XXXX XXXX  Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. 

XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you XXXX be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in XXXX for the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violation of the Fair Credit Reporting Act

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