Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CT

Complaint narrative:
In a letter I received dates XX/XX/2021 was notified by ChexSystems, Inc that XXXX report with addresses of residence for name of CREDITOR, XXXX XXXX With INFORMATION THAT IS INACCURATE for alleged consumer CREDITOR XXXX XXXX, and as it not a confirmed address this is an extension of credit or goods by obligor, XXXX XXXX  to rejection by Alleged obligor of the Loan due lack of validation of address of record AND IDENTITY OF CREDITOR forwarded to the current address of alleged customer, independent of previous security freeze and CHEXSYSTEMS alert of consumer and CREDITOR, XXXX XXXX address on residence XXXX XXXX XXXX XXXX  XXXX XXXX, CT XXXX ; This prompted to my request for a security freeze and dispute as to the validity for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The phone call made by CREDITOR XXXX XXXX to address the apparent oversight in Billing or error, was ignored verbally and also by writing previously submitted an Affidavit to denial claim amended to cite that no bank shall make any loan or discount on the security of the shares of its own capital stock, citing 12 US code subchapter 83 ( a ) Also 12 USC 83 ; 12 USC 1431 in addition to ignoring my simultaneous filing of chapter XXXX Bankruptcy. 
Despite a discrepancy by ChexSystems in regards to inaccurate Residence for XXXX XXXX listed as XXXX XXXX  XXXX, XXXX, CT XXXX there has not been any response to my claims, to prevent this willful violation and further harassment of this unverified debt that had been subsequently Added as a Charge-off on XXXX XXXX. Absence to recourse from my presentation of dispute and arguments that I presented against the negative remarks on my credit report or disclosure substantially confirms my presentment of facts that the company has not had engaged in any effort to provide correspondence as to the validity of these debts of money for goods or services that were not determined by the bank to actually delivered to the obligor, it should be removed from the account due to billing error and the noncompliance of XXXX XXXX  to pursue collection of invalidated designee creating a forfeiture of rights as in 15 USC 1666 ( 1 ) ( e ) ; as determined If a CREDITOR, within sixty days after having transmitted to an obligor a statement of the obligor 's account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title from the obligor in which the obligor - ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicated the obligor 's belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligor 's belief ( to the extent applicable ) that the statement contains a billing error, the CREDITOR shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct- ( ii ) ... After complying with the provisions of this subsection with respect to an alleged billing error, a CREDITOR has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.

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