Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
To : XXXX XXXX in her private capacity, Dispute Resolution Specialist Chex Systems , Inc. 
Date : XX/XX/year> Dear XXXX XXXX in her private capacity : Re : Complaint ID XXXX Response from XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX the Libellant in this matter, and I am writing in response to your correspondence regarding my dispute with Chex Systems, Inc. ( ChexSystems ) . I appreciate your acknowledgment of my complaint and the explanation provided about ChexSystems ' operations and its role in the reporting of financial account information. However, your response lacks the necessary specifics to address the fundamental issues raised in my initial dispute and subsequent notices. 

1. Failure to Respond in Good Faith and Breach of Contractual Obligations : As outlined in the documents previously sent to ChexSystems, including the NOTICE BY WRITTEN COMMUNICATION / SECURITY AGREEMENT sent on XX/XX/scrub>XXXX XXXX XXXX  via Certified Mail # XXXX, you were obligated to provide a timely and good faith response. Despite your receipt of subsequent notices, including the NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE sent on XX/XX/scrub>XXXX XXXX XXXX  and an AFFIDAVIT OF NOTICE OF DEFAULT sent on XX/XX/scrub>XXXX XXXX XXXX ChexSystems failed to issue a timely response, thereby breaching the terms and conditions of our agreement and failing in your legal and contractual obligations. 

2. Request for Specific Proof of Claims : ChexSystems is required to substantiate its claims against me by providing the following documentation : A valid and enforceable contract between Chex Systems , Inc. and XXXX XXXX XXXX. 
The identity of the individual ( s ) within ChexSystems who verified the disputed accounts, including their business address. 
A detailed explanation of the verification process used by ChexSystems. 
Documentation relied upon by ChexSystems to verify the accuracy and completeness of the reported information from XXXXXXXX XXXX XXXX 

3. Violations of Federal Laws : ChexSystems actions, including the transmission of inaccurate and potentially misleading information, constitute multiple violations of federal laws, including but not limited to : 18 U.S.C. 1001, which prohibits knowingly making false statements or representations. 
Violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681e and 15 U.S.C. 1681i ) regarding the procedures for ensuring accuracy and handling consumer disputes. 
The unauthorized use and distribution of personal identification information, amounting to identity theft under applicable laws. 
Each statutory violation carries a statutory penalty of {$1000.00}, exclusive of my personal costs and damages, which are accumulating daily. 

4. Demand for Verification and Proof of Claims : In light of these violations and the failure to address the dispute appropriately, I am requesting immediate and full disclosure of the information used to verify the disputed accounts. This includes a demand for testimony under oath from XXXX XXXX or any ChexSystems employee with firsthand knowledge of the actions taken regarding my account, to confirm the identification of XXXX XXXX XXXX as the party in question. 

5. Requirement for Corrective Action and Accountability : ChexSystems must correct all erroneous information and cease the continued dissemination of any false or misleading data related to my financial history. Your failure to respond adequately to my previous notices and the presentment has resulted in a default judgment in my favor, thereby acknowledging the validity of all allegations set forth in my original communication. 

Please be advised that if ChexSystems does not provide the requested documentation within ten ( 10 ) days of receipt of this letter, I will pursue all available legal remedies, including seeking damages for each statutory violation and costs associated with this matter. Your response must be sent via certified mail to both my address and the Notary Public listed below to ensure compliance with the terms of this private, administrative remedy process. 
I trust that you will take this matter seriously and respond accordingly. Failure to do so will result in further legal action. 

Sincerely, By : XXXX XXXX XXXX, XXXX Recourse, All Rights Reserved Witness : 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