Consumer complaint received 2025-12-04 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: MN

Complaint narrative:
Subject : Complaint for FCRA Violations by XXXX XXXX XXXX XXXX XXXX and ChexSystems , Inc. in Refusing to Expunge Fraudulent Data Post-Identity Theft Evidence Submission Dear CFPB, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I hereby lodge this complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX  ) and ChexSystems, Inc. ( ChexSystems ) for their deliberate non-adherence to legal mandates requiring the removal of fraudulent account information from my consumer reports. I have furnished them with comprehensive proof of identity theft, encompassing a police report on the theft of my banking details ( including checks and debit cards ), FTC identity theft affidavits and reports, data breach confirmations involving my PII, and historical CFPB filings on fraud incidents. Certified correspondence has also been sent, compelling them to investigate and purge all illicit entries from my consumer files as per statutory requirements. 
This fraudulent reporting arises from identity theft exploits, leading to unauthorized banking activities listed in my reports. The companies intransigence has impeded my financial recovery, restricting account openings and amplifying fraud risks. 
XXXX  and ChexSystems have committed at least the following four FCRA violations : XXXX. Violation of 15 U.S.C. 1681c-2 ( Blocking Identity Theft Information ) : This statute obligates CRAs to expeditiously block disputed fraudulent items upon receiving an identity theft report. My submissions of FTC reports, police evidence, and breach notifications were ignored, with no blocking action taken, in clear defiance of the law. 
XXXX. Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( Timely Reinvestigation ) : Disputes must be reinvestigated within 30 days, with deletions or corrections if information is found inaccurate or unverifiable. Both companies neglected this after receiving my detailed disputes via certified mail, failing to resolve or even acknowledge the fraud claims adequately. 
XXXX. Violation of 15 U.S.C. 1681e ( a ) ( Compliance Procedures ) : CRAs are required to implement procedures ensuring report accuracy and completeness. By disregarding verified fraud evidence and retaining unconfirmed data, they have not upheld these standards, perpetuating errors in my reports. 
XXXX. Violation of 15 U.S.C. 1681g ( e ) ( Disclosure of Investigative Consumer Reports ) : Consumers are entitled to disclosures upon request, especially in fraud contexts. My demands for full file contents and source verifications went unmet, obstructing my efforts to mitigate the damage. 
Such violations erode consumer trust and protections. I possess all supporting records. 
Please investigate, enforce compliance by removing the data, penalize the violators, and update me accordingly.

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