Consumer complaint received 2025-11-16 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: VA

Complaint narrative:
XX/XX/XXXXXXXX  CHEXSYSTEMS DISPUTE & UNAUTHORIZED INQUIRY REMOVAL REQUEST For : XXXX XXXX XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX TO : ChexSystems , Inc . 
Attn : Consumer Relations XXXX. XXXX XXXX XXXX, MN XXXX RE : FORMAL DISPUTE OF UNAUTHORIZED INQUIRIES & REQUEST FOR REMOVAL To Whom It May Concern, This letter serves as my * * formal dispute * * under the Fair Credit Reporting Act ( FCRA ) regarding the following * * unauthorized inquiries * * appearing on my ChexSystems file. 

I did * * not authorize * * these companies to obtain or review my banking or consumer information. 
Under * * FCRA 604 ( a ) ( 2 ), 605, 611 & 615 * *, I demand that ChexSystems : 1. Conduct a full reinvestigation, 2. Provide documentation of permissible purpose, 3. Remove all unauthorized inquiries if no proof exists, 4. Provide written confirmation of the results.

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 UNAUTHORIZED INQUIRIES TO BE REMOVED 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 XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate ) Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX XXXX ( third instance ) Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry 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  BASIS OF DISPUTE 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  These inquiries were NOT authorized by me, NOR did I apply for any credit, auto financing, or banking product with these institutions. 

Under FCRA, any inquiry lacking : Signed authorization Written permissible purpose Identifiable application or transaction Proof of consumer-initiated action must be * * removed immediately * *.

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 REQUESTED ACTION 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  I request that ChexSystems : Remove ALL unauthorized inquiries listed above Block any future attempts from these companies Provide written results of the reinvestigation Send me a free updated copy of my ChexSystems file 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 CERTIFICATION 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 I certify that the information provided is true and accurate. Please complete your reinvestigation within the required 30-day period. 

Printed Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX 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