Consumer complaint received 2024-10-21 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Social Security Number:XXXX ChexSystems, Inc . 
Consumer Relations Department XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Please Remove Inquiries and Accounts XXXX XXXX Reported For : ACCOUNT ABUSE ; REPORT IS DISPUTED BY THE CONSUMER ( S ) ; Reported Nadress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported SSN/ID : XXXX Driver 's License : State : Date of Closure : XX/XX/XXXX XXXX/ACCT # : XXXX | XXXX Original Charge Off Amount : {$110.00} Closure Status : UNPAID Closure Status Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX : Not Available Inquiry Date XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX Phone Number XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone Number : XXXX On Behalf Of XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX Phone Number XXXX XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX  XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Phone Number : Telephone Number Not Available Inquiry Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone Number : XXXX On Behalf Of : 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 Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX phuiry Date : XXXX Phone Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX A PART OF XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : XXXX On Behalf Of XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX A PART OF XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, AK XXXX Phone XXXX : XXXX Inquiry Date : XX/XX/XXXX Phone Number : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX On Behalf Of : XXXX XXXX, XXXX DBA XXXX LEND ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX A PART OF XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone XXXX : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, XXXX XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX # XXXX, XXXX, XXXX  XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone XXXX : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX XXXX XXXX : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX A PART OF XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone Number : XXXX On Behalf Of : XXXXXXXX XXXX ; XXXX XXXX XXXX, XXXX, MI XXXX Phoney an : XXXX XXXX : XXXX XXXX A PART OF XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Phone Number XXXX XXXX On Behalf Of : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX phone XXXX XXXX XXXX XXXX Number Not Available Inquirer : XXXX XXXX A PART OF XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone Number XXXX XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Phone Number : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX On Behalf Of XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Number Not Available Inquirer : XXXX XXXX A PART OF XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX To Whom It May Concern : This letter is in regards to the account number listed above, which you claim has [ specific negative condition ]. I hereby notify you that your claim is disputed, and I am requesting complete validation per the Fair Debt Collection Practices Act. 

Please note that I require full validation under the law, to include copies of completed and signed documentation indicating that I have a contractual obligation to pay you, or had such an obligation to pay in the past. 

The letter also serves as your notification that I am disputing this alleged [ specific negative condition ] with all credit bureaus where it has been listed. Per the Fair Credit Reporting Act, any debt which can not be properly validated may not be reported to any credit bureau. 

Your failure to remove inaccurate information from my credit files will be documented as a violation of the Fair Credit Reporting Act for the sole purpose of pursuing legal relief under current consumer laws. 

Please submit any substantiating evidence of your claims regarding the account listed above to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX  XXXX If I do not receive a response from you regarding your claim within 30 days of the verified receipt of this letter, I will assume that you do not have the required documentation and that your claim is invalid. Per this assumption, I will move forward with legal proceedings to retrieve damages for your ongoing violations of the FCRA and FDCPA. 

Please note that any and all information provided by you will be documented thoroughly as part of the ongoing validation process. I look forward to your timely response and correction of this oversight. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 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