Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX ] [ XX/XX/XXXX ] ChexSystems Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Dispute of Inaccurate Information in ChexSystems Report Dear ChexSystems Consumer Relations, I am writing to dispute certain inaccurate information contained in my ChexSystems report. I have obtained a copy of my report, and after careful review, I have identified the following errors : 1. IncorrectAccountInformation : Account Name : [ XXXX ] Account Number : [ XXXX ] Explanation : The above account does not belong to me, and I have never held an account with the [ Bank Name ]. This inclusion is a result of mistaken identity or an error in data entry. I request the immediate removal of this account from my ChexSystems report. 

2. OutdatedInformation : Account Name : [ XXXX ] Account Number : [ XXXX ] Explanation : The account listed above was closed on [ XX/XX/XXXX ]. However, my ChexSystems report incorrectly indicates that this account is still open. I kindly request that the status of this account be updated to accurately reflect its closure. 

3. IncorrectNegativeEvent : Date : [ XX/XX/XXXX ] Description : [ Incorrect Description ] Bank Name : XXXX Explanation : The negative event mentioned above, which involved [ incorrect description ], does not pertain to me or any accounts associated with my name. This entry is clearly an error or a result of mistaken identity. I request the immediate removal of this erroneous negative event from my ChexSystems report. 

Enclosed with this letter, please find copies of the relevant documentation supporting my dispute : Copy of my identification ( Driver 's License ) Proof of address ( Utility Bill ) I kindly request that you initiate a thorough investigation into the aforementioned errors and take the necessary steps to correct them promptly. As per my rights under the Fair Credit Reporting Act ( FCRA ), I expect the investigation to be completed within 30 days. Additionally, I request that you provide me with a written confirmation of the resolution of my dispute and an updated copy of my ChexSystems report reflecting the corrections made. 

Please note my contact information below for any further correspondence : [ XXXX XXXX ] [ XXXXXXXX XXXX XXXX  ] [ XXXX XXXX XXXX, FL, XXXX ] [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report Dear XXXX XXXX XXXX XXXX XXXX Department, I am writing to dispute certain inaccurate information contained in my Early Warning Services report. After obtaining a copy of my report and carefully reviewing its contents, I have identified the following errors : 4. IncorrectAccountInformation : Account Name : [ XXXX ] Account Number : [ XXXX ] Explanation : The above account does not belong to me, and I have never held an account with the [ XXXX ]. This inclusion is a result of mistaken identity or an error in data entry. I request the immediate removal of this account from my XXXX XXXX XXXXs report. 

5. OutdatedInformation : Account Name : [ XXXX ] Account Number : [ XXXX ] Explanation : The account listed above was closed on [ Closure Date ]. However, my XXXX XXXX XXXX report incorrectly indicates that this account is still open. I kindly request that the status of this account be updated to accurately reflect its closure. 

6. IncorrectNegativeEvent : Date : [ Incorrect Date ] Description : [ Incorrect Description ] Bank Name : [ Incorrect Bank Name ] Explanation : The negative event mentioned above, which involved [ incorrect description ], does not pertain to me or any accounts associated with my name. This entry is clearly an error or a result of mistaken identity. I request the immediate removal of this erroneous negative event from my XXXX XXXX XXXX report. 

Enclosed with this letter, please find copies of the relevant documentation supporting my dispute : I kindly request that you initiate a thorough investigation into the aforementioned errors and take the necessary steps to correct them promptly. As per my rights under the Fair Credit Reporting Act ( FCRA ), I expect the investigation to be completed within 30 days. Additionally, I request that you provide me with a written confirmation of the resolution of my dispute and an updated copy of my XXXX XXXX XXXX report reflecting the corrections made. 

Please note my contact information below for any further correspondence : Name : [ XXXX XXXX ] Phone Number : XXXX Email Address : [ XXXX ] Thank you for your immediate attention to this matter. I trust that you will handle my dispute with the utmost professionalism and accuracy. I look forward to a timely resolution. 

Sincerely, 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