Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
We had to file this complain once more because Chex System did notning but provide the standard company nonsense. 

This is the second company claiming to be a so called " Specialty Consumer Agency ''. The reason why the CFPB was created again was to to come down hard on these companies that try to use these loopholes against consumers like myself.

I will say this again, there is precedent on the Federal level concerning theri call called " Specialty Consumer agency ''! 

RE : XXXXXXXX XXXX the FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a " credit reporting agency '' ( CRA ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., challenges regulations promulgated by the Federal Trade Commission ( FTC ) and other federal agencies to implement the privacy provisions of the Gramm-Leach-Bliley Act ( GLBA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( codified at 15 U.S.C. 6801 et seq. ). XXXX XXXX contends the regulations unlawfully restrict a CRA 's ability to disclose and reuse certain consumer information because ( XXXX ) a CRA is not a " financial institution '' subject to the FTC 's rulemaking authority under the GLBA ; ( XXXX ) the regulations ' definition of the statutory term " personally identifiable financial information '' ( PIFI ) is overbroad ; ( XXXX ) the regulations ' restrictions on reuse of information are inconsistent with the GLBA ; and ( XXXX ) the challenged regulations infringe XXXX XXXX XXXX right of free speech under the First Amendment to the United States Constitution. The district court rejected these challenges and upheld the regulations. For the reasons set out below, we affirm the district court 's decision. 

. The FCRA defines a CRA as any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

XXXX XXXX. XXXX ( f ). The parties agree that XXXX XXXX comes within this definition. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The other federal agencies sued in this action are the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency, the XXXX XXXX XXXX XXXX, the Federal Deposit Insurance Corporation and the XXXX XXXX XXXX XXXX. This opinion will refer to the appellate agencies, collectively, as the FTC. 

ChexSystem failed to address the very reason why I filed this complaint against there organization. So we will file this complaint again, until they address the statues, etc that I reference in this communication. 

Furthermore, they are violating my right to privacy. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal informatio ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general : A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I demand to opt out of them reporting any information with my social security and delete my name, information etc completely out of there system.

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