Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> ChexSystems, XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, XXXX  XXXX **RE : DEMAND FOR IMMEDIATE CORRECTION OF CONSUMER REPORT AND REINSTATEMENT OF SECURITY FREEZE** To Whom It May Concern : This letter constitutes a formal demand regarding unauthorized alterations to my personal information, breach of my security freeze, and violation of my opt-out preferences that were established prior to XX/XX/year>. These actions violate multiple federal consumer protection regulations. 

**FACTUAL EVIDENCE : ** I have documented evidence of the following : 1. I opted out of ChexSystems on XX/XX/year>, with Report ID : XXXX and PIN : XXXX. I have retained evidence of this transaction in my records. 

2. Upon logging into my ChexSystems account today, I discovered unauthorized changes to my personal information : - My email was changed to an outdated address ( XXXX ) that I no longer use for financial matters - My correct and current email is XXXX, which I have documentation to verify - My phone number was incorrectly listed as XXXX - My correct phone number is XXXX XXXX. I have already attempted to resolve this matter through proper channels by : - Contacting ChexSystems customer service representatives- Being placed on hold for hours without resolution - Submitting a formal dispute regarding the incorrect information XXXX. Despite these efforts, the unauthorized alterations remain, my security freeze has been compromised, and my personal information continues to be inaccurately represented in your system. 

The unauthorized modification of my contact information without my knowledge or consent has compromised my privacy and created potential financial harm. Furthermore, your failure to maintain my security freeze status constitutes a serious violation of federal law. 

XXXX XXXX FORMAT COMPLIANCE VIOLATIONS : ** Based on the unauthorized changes to my personal information, ChexSystems has committed multiple XXXX  XXXX format compliance violations, including : 1. **Base Segment Violations : ** The unauthorized alteration of my personal identifying information in the Base Segment ( which contains critical consumer identification fields ) has resulted in inaccurate data reporting. 

2. **Data Integrity Breaches : ** The improper modification of my contact details ( email address and phone number ) violates XXXX XXXX compliance standards which " mandate the accurate reporting of data elements, including ... identifying information ( i.e., name, address, SSN ) ''. 

3. **Consumer Information Segment Errors : ** The unauthorized changes to my contact information directly affect the Consumer Information Segment of my credit reporting file, creating data inconsistencies across credit reporting platforms. 

4. **Reporting Accuracy Violations : ** These unauthorized changes violate the " standardized format '' requirements that ensure " accurate, complete, and timely consumer credit reporting '' under XXXX XXXX standards. 

5. **Authentication Protocol Failures : ** The fact that changes were made without proper authentication violates the security protocols required by the XXXX XXXX format for consumer data protection.

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