Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
CFPB Complaint Credit Reporting ( Big XXXX + Specialty Bureaus ) What happened ( brief narrative for the portal ) I am disputing inaccurate, incomplete, and unverifiable information across TransUnion, Experian, Equifax, and several specialty banking/identity bureaus. I have documented identity-theft indicators tied to multiple data breaches ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and dark-web/address-change alerts ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ). Items previously deleted were later reinserted without furnisher certification or XXXX notice, violating FCRA 611 ( a ) ( 5 ) ( B ). 

Because banks and XXXX lenders also check ChexSystems/EWS/TeleCheck and XXXX  ( not just XXXX XXXX XXXX CRAs ), bad data in these files is causing, or likely to cause, automatic business-credit denials. I submitted disputes/freezes to prevent harm and asked for Method of Verification ( MOV ) and first-party signature/authorization proof for each retained tradeline and hard inquiry. The bureaus have not provided the required documentation. 

I am requesting deletion/blocking of unverifiable or identity-theft items, correction of cross-bureau inconsistencies, confirmation of freezes/opt-outs across specialty files, and a written MOV showing signed applications/contracts ( or valid e-signature audit trails ) for every retained account and hard inquiry. 

Companies youre complaining about 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 ChexSystems XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Credit reporting ( also Other personal reports for Chex/XXXX ). 
Issue : Information belongs to someone else / incorrect information / problem with a credit reporting companys investigation. 

Background & breach context ( attach proofs ) LoanCare Data Breach In re : LoanCare Data Security Breach Litigation, No. XXXX. 

XXXX XXXX XXXX XXXX XXXX consolidated consumer actions ( MDL No. : insert when available ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ). 

XXXX ( XXXX ) In re XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX. Md. ). 

XXXX ( XXXX ) consolidated consumer actions ( XXXX XXXX. : insert when available ). 

Dark-web & address-change alerts : XX/XX/XXXX ( multiple alerts ) ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 

FTC ID Theft Report : Ref XXXX. Police Report : Case XXXX. 

Personal-information corrections requested ( Metro 2 Code 112 ) Keep only my current legal name and current address ; remove legacy/unauthorized addresses, outdated phone numbers, and the unrelated employer entry. Suppress SSN/DOB from public display.

Improper reinsertion Items previously removed were reinserted without furnisher recertification and without written XXXX notice in violation of 611 ( a ) ( 5 ) ( B ). I request permanent deletion of any item reinserted without full compliance and written proof of certification/notice. 

Disputed tradelines ( cross-bureau conflicts / ID-theft indicators ) ( Each item has highlighted bureau pages attached. I request deletion if unverifiable or full MOV with signer-tied authorization. ) XXXX XXXX XXXX. XXXX Authorized User ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX  conflicts ( High Credit ; Date Opened ). Remedy : align to AU/Open/Current with correct limit/high credit and dates, or delete. 

* * XXXX. XXXX XXXX Credit Card ( Acct XXXX XXXX XXXX ) High credit mismatch ( XXXX vs XXXX  ) ; last-active misaligned. Remedy : correct across bureaus or delete. 

XXXX XXXX XXXX XXXX ( Acct XXXX XXXX XXXXXXXX ) Charge-off vs closed due to inactivity ; need XXXX and full ledger. Remedy : correct or delete. 

XXXX XXXX XXXX XXXX XXXX ( Acct XXXX XXXX XXXX ) TU shows XXXX  XXXX bankruptcy comment without clear court linkage. Remedy : provide public-record linkage or delete. 

XXXX XXXX XXXX XXXXXXXX Mortgage ( Acct XXXX XXXX XXXX ) Status conflicts ( TU Late XXXX / XXXX  Foreclosure / XXXX  Late XXXX ) and differing report dates/comments. Remedy : provide note/ledger/foreclosure docs and align, or delete. 

XXXX XXXX XXXX XXXXXXXX XXXX Mortgage ( Acct XXXX XXXX XXXXXXXX ) Multiple field mismatches ( payment, balance, terms, past-due, status, last reported/active, date of last payment ). Remedy : provide note/ledger/escrow & workout docs and reconcile, or delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) EX shows XXXX term ; TU shows XXXX term ; last-reported dates differ ; missing entirely on Equifax despite an active $ XXXX XXXX. Remedy : align to Open/Current, XXXX  months, $ XXXX, balance/high credit {$100000.00}, with matching datesor delete. 

Bankruptcy public record ( remove if unverifiable ) Reference : XXXX ( XXXX  XXXX ) XXXX  show XX/XX/XXXX ; XXXX shows XX/XX/XXXX ; court names conflict. 

Courts do not furnish/verify directly with CRAs ; data is scraped by third-party vendors. Identify PACER/vendor, case number, filed/discharge/closure dates, and the exact documents relied upon. If you can not produce competent evidence tying this record to me, delete from all files and downstream products. If reinserted previously, provide 611 ( a ) ( 5 ) ( B ) certification/notice or remove. 

Hard inquiries to remove/block ( unauthorized / mixed-file ) Provide MOV for each retained hard inquiry ( FCRA 604 permissible-purpose code, furnisher/member code, signed authorization or valid e-signature audit trail with timestamp/IP/device logs ; manual vs automated verification ). If you can not produce authorization, delete or convert to soft, and if theft-related, block under 605B. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX No authorization / no permissible use Delete or reclassify to soft XXXX XXXX XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XX/XX/XXXX Duplicate / no authorization XXXX XXXX  XXXX XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XXXX XX/XX/XXXX No authorization XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX No authorization XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Identity theft / no authorization Block under XXXX XXXX XXXX XXXX XX/XX/XXXX No authorization Delete XXXX XXXX XXXXXX/XX/XXXX No authorization Delete TransUnion XXXX XXXX XX/XX/XXXX No authorization Delete ( Also note prior cross-bureau inquiry mismatches for XXXX  XXXX ( various ), XXXX XXXX XXXXXX/XX/XXXX ), Georgia XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) Specialty banking/identity files ( heavily weighted in business lending ) ChexSystems / XXXX / XXXX  : Provide MOV ( reporting bank, member code, account # /dates, XXXX, signed account agreement, closure/overdraft documentation, internal ledger/return-item records, basis for any fraud coding ). Delete unsupported entries and notify downstream users. 

XXXX XXXX : Remove mismatched identifiers/public-record summaries not tied to first-party court documents ; provide sources/timestamps/copies relied upon. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Delete unverifiable entries ; provide application/consent/ledgers/payment histories. 

NCTUE : Correct/remove mismatched telecom/utility data ; provide furnisher, account numbers, and billing/delinquency proof. 

Signature/authorization proof ( required for any item you keep ) For every retained tradeline and inquiry, provide competent evidence that I authorized it : Signed application/contract ( wet ink ) or valid e-signature that complies with the XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( timestamps, IP/device/browser, MFA/OTP logs, exact doc version ) ; XXXX steps used ( XXXX XXXX XXXX XXXX XXXX XXXX  ) ; Furnisher member code and permissible-purpose code for each inquiry ; Internal underwriting/system notes linking the authorization to my identity and the full payment ledger/first-use records. 
If you can not produce the above, delete the item and provide written confirmation.

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