Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I am writing to dispute erroneous negative information reported in your records under my Social Security number. I was impacted by the XXXX XXXX XXXX XXXX Customer Data Security Breach ( XXXX XXXX. XXXX ) and believe this may have contributed to unauthorized activity on my account. Upon obtaining a copy of my ChexSystems report, I discovered several inaccuracies, including entries from banks with which I have no affiliation. Specifically, your records show Non-sufficient funds on or around the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I contest these records as they are inaccurate. I have no relationship with these institutions and did not authorize the accounts, inquiries, or transactions. Therefore, I request that you : 1. Conduct a thorough investigation of the disputed records under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

2. Provide verifiable documentation or evidence from the reporting entities substantiating these entries.

3. Delete the unverifiable, inaccurate, or unauthorized records from my ChexSystems report.

4. Send me an updated copy of my ChexSystems report reflecting the corrections.

As a credit reporting agency, you are required to comply with the Fair Credit Reporting Act ( FCRA ). Per 15 U.S.C. 1681i ( a ), you must investigate disputed information and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. Failure to comply with federal regulations, including those outlined under 15 U.S.C. 41 et seq., may result in investigations by the Federal Trade Commission ( FTC ) or the Consumer Financial Protection Bureau ( CFPB ). I am keeping meticulous records of all correspondence related to this matter for submission to the appropriate authorities, including the North Carolina Attorney Generals Office, should you fail to act in compliance. 
I would like to remind you of your potential liability for willful non-compliance as established in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). Should you fail to provide documentation, including a signed contract or agreement bearing my signature, I will pursue legal action against Chex Systems for the following damages : Defamation of character ; Negligent enablement of identity fraud ; Violations of the Fair Credit Reporting Act. I will seek damages of {$5000.00} in court if my requests are ignored, I am being harassed and bullied. I will also be filing Federal complaints. Please ensure compliance with the FCRA and provide a written explanation of your findings after completing your investigation. Additionally, send me an updated copy of my ChexSystems report to confirm corrections have been made. I look forward to resolving this dispute within the legally mandated timeline. 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