Consumer complaint received 2025-08-05 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: AR

Complaint narrative:
* * RE : Continued Demand for Full Disclosure and Immediate Cease and Desist of Unlawful Reporting CFPB Complaint ID : XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, * * This communication constitutes a * * formal and unequivocal continuation * * of my ongoing legal and statutory demands regarding the unlawful conduct of * * Chex Systems XXXX Inc. XXXX XXXX and * * XXXX XXXX XXXX XXXX XXXX. * * * * Despite your previous response, your conduct remains categorically unlawful * * and demonstrates a flagrant disregard for my rights under federal and Arkansas state law. You * * continue to report, disseminate, and sell * * information that is * * fraudulent, identity-theftrelated, and unverified * *, which not only violates the * * Fair Credit Reporting Act ( XXXX  ) * * and related statutes but also * * jeopardizes my ability to access basic banking services * *, including the issuance of a checking account. 

-- - # # # * * I. This is a Continuing Violation and Legal Obligation to Block Reporting * * Under * * XXXX U.S.C. XXXX ( a ) - ( d ) * *, once a consumer * * submits a valid identity theft report * * and disputes fraudulent information, the * * credit reporting agencies and furnishers are legally obligated to block or * * delete * * such information * * within XXXX ( XXXX ) business days * *. 

* * Your ongoing reporting, sale, and dissemination * * of disputed information * * constitutes a continuing violation * * of the law. Until * * all investigations are completed * * and the disputed data is * * verified or permanently deleted * *, * * you are legally required to cease reporting or sharing such information * * * * by law, this must be blocked or held in abeyance * *. 

It is * * unlawful * * for you to * * continue to report, sell, or disseminate * * this information * * which is based on identity theft and fraudulent activity * *. * * You are also violating * * * * XXXX U.S.C. XXXX * *, which requires * * disclosure of all information in the consumers file * * and * * the obligation to block or remove fraudulent data * * upon receipt of a valid dispute. 

-- - # # # * * II. Your Conduct Violates Federal and State Laws and Has Real Consequences * * Your * * continued disregard * * for these legal obligations * * not only violates federal law * * but also * * violates Arkansas XXXX law * *, including : - * * Arkansas Code XXXX. XXXX ( a ) ( XXXX ) * *, which prohibits * * false, misleading, or deceptive representations * * regarding consumer data. 
- * * Arkansas XXXX XXXX. XXXX * *, requiring * * data security and safeguarding personal information * *, which you have * * failed to uphold * * by continuing to report and disseminate fraudulent data. 

* * This conduct is subject to enforcement actions * * by the * * Arkansas Attorney General * *, who * * has historically pursued * * companies * * engaging in deceptive and unlawful practices * *, resulting in * * monetary penalties and injunctive relief * *. 

-- - # # # * * XXXX. You Are Obligated to Block Reporting Pending Investigation * * Until * * all investigations are thoroughly completed * *, and * * fraudulent information is verified or definitively removed * *, * * you must * * * * immediately cease reporting or sharing this data * *. This is * * mandatory under law * * and * * necessary to prevent further harm * *, including * * denial of bank accounts, loans, and other critical financial services * *. 

* * Your failure to do so constitutes a willful violation * * of the FCRA and Arkansas consumer protection statutes, and I will * * not hesitate to escalate * * this matter * * to state and federal courts * * for enforcement. 

-- - # # # * * IV. XXXX and XXXX Proceedings * * * * I am prepared * * to * * initiate legal proceedings * * in * * both state and federal courts * * if you do not * * immediately comply * * with these lawful obligations. 

* * Legal grounds for action include, but are not limited to : * * - Violations of * * XXXX U.S.C. XXXX, XXXX, XXXX, and XXXX * * ( FCRA violations regarding identity theft and inaccurate reporting ). 
- Violations of * * Arkansas XXXX XXXX. XXXX * * and * * XXXX * * ( state consumer protection and data security laws ). 
- * * Injunctions, damages, statutory penalties, and attorneys fees * * as provided under federal and Arkansas statutes. 

* * Additionally * *, I will seek * * civil penalties for each violation * * and * * costs of enforcement * * under * * XXXX U.S.C. XXXX * * and Arkansas law. 

-- - # # # * * XXXX Demand for Immediate Action and Disclosure * * * * You are ordered * * to * * cease all reporting, dissemination, and sale of disputed information * * * * immediately * * and * * block all such data * * * * pending completion of your investigation * *. 

* * Furthermore * *, you * * must * * provide * * full disclosure * * of * * all investigation records, verification procedures, correspondence, and policies * * relating to my dispute * * within XXXX ( XXXX ) calendar days * *. 

* * Failure to do so * * will be * * deemed a willful violation * * and will * * accelerate your exposure to civil and criminal liability * *. 

-- - # # # * * VI. Final Warning * * This is * * your final warning * * : * * comply fully and immediately * * or face * * substantial legal action * *. * * I am prepared * * to * * seek damages, injunctive relief, and enforcement orders * * in court * * without further notice * *. 

* * Please provide the legal address and contact information for service of process immediately * *. 

* * Respectfully, * * * * XXXX XXXX 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