Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Formal Dispute and Demand for Investigation Account with XXXX Bank ( formerly XXXX XXXX  ) Account Information : Routing/Account Number : XXXX / XXXX Dear ChexSystems Disputes Department XXXX This is a formal dispute regarding inaccurate and unverifiable information related to my account with XXXXXXXX XXXX XXXX formerly known as XXXX XXXX  XXXX as listed in your report. The following issues violate federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : Discrepancy in Charge-Off Amounts : XXXX XXXX  claims the charge-off balance for this account is {$1400.00}, yet ChexSystems has reported the balance as {$1400.00}. This inconsistency demonstrates a failure to ensure accuracy in the reporting of information, in violation of FCRA 1681e ( b ).

Failure to Verify Debt : Despite prior requests for validation, XXXX Bank has failed to provide me with a copy of the original signed consumer agreement or any documentation substantiating the existence and validity of this debt. This failure violates FDCPA 1692g ( b ) and renders any continued reporting of this account improper.

Given these violations, I demand that ChexSystems take the following immediate actions : Conduct a thorough investigation : Verify the accuracy of the reported information by obtaining documentation from XXXX XXXX  ( formerly XXXX XXXX  ), including a detailed breakdown of the charge-off balance, itemized fees, and any adjustments. 

Request proper validation from XXXXXXXX XXXX XXXX XXXX XXXX XXXX provides the original signed consumer agreement or other legally sufficient documentation to substantiate this debt. 

Correct or delete inaccurate information : If the reported discrepancy can not be verified or resolved, ChexSystems must delete this account from my file, as required by FCRA 1681i ( a ).

Failure to resolve this matter promptly will leave me with no choice but to escalate the issue through the following channels : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) : ChexSystems ' failure to comply with FCRA guidelines will be reported for investigation and resolution.

Notify state and federal regulatory agencies : I will report this to the Federal Trade Commission ( FTC ) and my state attorney general.

Pursue legal remedies : I will explore all legal options, including seeking damages for the reporting of inaccurate and unverifiable information. 
I expect ChexSystems to fulfill its legal obligations and resolve this matter within 30 days. Please provide a written response confirming the results of your investigation. All correspondence should be sent to the contact information listed above. 

Thank you for your immediate attention to this matter.

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