Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
Dear CFPB, I am filing this complaint because ChexSystems has violated several sections of the Fair Credit Reporting Act ( FCRA ) in relation to a reinvestigation I requested regarding inaccurate and unauthorized inquiries and data. 

In their response, ChexSystems claimed that third parties such as TransUnion ( on behalf of XXXX XXXX and XXXX XXXX XXXX ) and XXXX XXXX ( on behalf of XXXX XXXX and XXXX XXXX ) had verified the information as accurate and complete. However : 1. No evidence, no documentation, and no investigative methods were provided to me, in direct violation of * * FCRA 611 ( a ) ( 7 ) * * [ 15 U.S.C. 1681i ( a ) ( 7 ) ], which explicitly requires that a consumer be provided with a description of the procedure used to determine the accuracy and completeness of disputed information upon request. 

2. The only correspondence I received was a copy of my ChexSystems consumer report, which contained * * no modifications, no proof, no verification letters from the furnishers * *, nor a detailed explanation of the reinvestigation outcome. This failure to disclose documentation constitutes noncompliance with * * FCRA 609 ( a ) ( 1 ) * * [ 15 U.S.C. 1681g ( a ) ( 1 ) ] and * * 611 ( a ) ( 6 ) ( B ) ( iii ) * *, which both require a consumer to be informed of the results of the reinvestigation and the procedure used. 

3. Furthermore, by continuing to report unverifiable information, ChexSystems is in violation of * * FCRA 611 ( a ) ( 5 ) ( A ) * *, which mandates deletion or modification of information that can not be verified within 30 days. 

For these reasons, I respectfully request that : - All unverifiable or unsubstantiated items, including the inquiries listed by XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, be * * immediately removed * * from my ChexSystems report. 
- ChexSystems be required to provide * * full reinvestigation documentation * * or face enforcement action for willful or negligent noncompliance, as described in * * FCRA 616 and 617 * *. 

* * Attached documents include * * : - * * RESULT OF THEIR INVESTIGATION - CHEXSYSTEMS.pdf * * - * * RESULT OF THEIR INVESTIGATION - CHEXSYSTEMS 2.pdf * * These are the only two documents I received from ChexSystems in response to my dispute. * * They contain no documentation from the furnishers, no details of the reinvestigation procedures used, and no evidence whatsoever of verification * *. They are merely copies of my consumer report and a form letter. 

This can not be considered a legitimate reinvestigation under the FCRA. Therefore, I ask the CFPB to require immediate compliance or deletion of the unverifiable information. 

Thank you for your support in protecting consumer rights. 

Sincerely, * * XXXX XXXX XXXX XXXX * * Last 4 of SSN : XXXX Consumer ID : XXXX

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