Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
RESOLUTION DEMAND : Unauthorized and Illegal Inquiries Immediate Action Required To : ChexSystems Inc. 
For : XXXX XXXX XXXX XXXX. 
Address : XXXX Cinnamon XXXX XXXX XXXX XXXX, FL XXXX It has come to my attention that numerous unauthorized inquiries have been listed on my consumer report without my knowledge, consent, or authorization, and without a permissible purpose as required under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), as well as Senate Bill 5480 ( 2025 ) which further strengthens enforcement actions regarding consumer financial data and privacy violations. 

The inquiries from entities such as 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 and others were illegally conducted without any permissible purpose. Several of these inquiries specifically pertain to medical-related purposes, which are prohibited without explicit HIPAA-compliant authorization XXXX No such authorization was given. 
These inquiries represent : Gross violations of FCRA 604 ( Permissible Purpose Requirements ), Violations of HIPAA and medical privacy laws when any medical-purpose inquiry was made without proper disclosure and consumer consent, Violations of Senate Bill 5480 ( 2025 ) which enforces criminal penalties for unauthorized access and misuse of consumer reports, Constitutional privacy violations under the 4th and 14th Amendments.

Senate Bill 5480 ( 2025 ) imposes serious civil and criminal liability for knowingly obtaining, using, or furnishing consumer information without a legitimate, verified purpose. Under the new federal standards : Each violation carries potential civil fines exceeding {$10000.00} per unauthorized inquiry, Criminal prosecution may be pursued for intentional and willful misconduct, resulting in potential federal imprisonment.

ChexSystems, by maintaining and disseminating these unauthorized inquiries, has become complicit in these federal violations. Your back-office compliance departments have legal duties under FCRA, 5480, and other statutes to protect consumers not recklessly allow banks and data brokers to illegally access or misuse consumer information, especially related to medical inquiries.

FORMAL DEMAND : I hereby demand the following immediate actions within seven ( 7 ) calendar days from the date of this notice : 1. Permanent Deletion of All Unauthorized Inquiries : Immediately and permanently delete all unauthorized and impermissible inquiries listed above from my consumer file. This includes inquiries associated with medical purposes and any entity lacking a permissible purpose under federal law. 
2. Written Confirmation of Deletion : Provide written confirmation that these inquiries have been fully and permanently deleted and will not be reinserted into my report under any circumstance.

3. Internal Compliance Review : Immediately conduct a full internal compliance review of your inquiry processing system and back-office authorization protocols. Confirm in writing that steps have been taken to prevent future violations against my consumer file.

4. Full Disclosure of Inquiry Sources : Provide a full disclosure report identifying the exact nature, basis, and certification method used to justify each inquiry including whether any alleged medical authorization was falsely claimed.

5. Compensation for Damages : Given the illegal access, emotional distress, invasion of privacy, and harm to my financial standing, I reserve my right to seek substantial financial damages if immediate deletion and remedy are not achieved. 

FAILURE TO COMPLY : If ChexSystems fails to take full corrective action within 7 days, I will : File immediate formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Office for Civil Rights ( OCR ) ( for HIPAA violations ), and appropriate state attorneys general ; Pursue civil litigation for statutory damages, punitive damages, and equitable relief ; Seek referral for criminal prosecution under federal statutes for willful noncompliance and unlawful dissemination of protected consumer data. 

I will also pursue public exposure through appropriate consumer rights organizations, social media channels, and media contacts to highlight ChexSystems disregard for federal consumer protection laws. 

This is your final notice. I strongly urge ChexSystems to immediately comply to avoid further legal action. 

Respectfully, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL 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