Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
AFFIDAVIT OF IDENTITY THEFT AND DEMAND TO BLOCK/DELETE I, XXXX XXXX , hereby declare under penalty of perjury that the following is true and correct : 1. I am a natural person and the consumer referenced above. My residential address is XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX. 

2. I did not authorize, participate in, or benefit from the following inquiries, account openings, or other items appearing on my ChexSystems consumer file or any consumer report prepared or distributed by ChexSystems : - ( List each fraudulent inquiry or account here include company name, date of inquiry if known, and any account or reference numbers. Example : [ Date ] [ Company name ] Inquiry / Account XXXX. ) 3. I am a victim of identity theft with respect to the items listed above. 


4. I request that ChexSystems immediately block, suppress, and permanently remove from my ChexSystems file and from any consumer reports and disclosures to third parties all items that ( a ) are the result of identity theft, and ( b ) are factually inaccurate. I further request that you cease furnishing such blocked items to third parties. 

Legal basis for this request : - 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ) : Upon proper submission of an identity-theft report and supporting documentation, a consumer reporting agency must block the reporting of information that results from identity theft and must do so promptly not later than four business days after receiving a qualifying request. I hereby invoke my rights under 15 U.S.C. 1681c-2 and request blocking per that statute. 
- 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) : I request that ChexSystems conduct any required reinvestigation of disputed items and that you notify me of the results. 
- 15 U.S.C. 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ) : I assert that the items listed are inaccurate and that ChexSystems must take corrective action. 

5. I demand written confirmation that you have : a ) Blocked and removed each disputed item originating from identity theft ; and b ) Permanently removed or suppressed any item that you find is inaccurate ; and c ) Not furnished the blocked items to any third party since the date ( s ) indicated above ; and d ) Notified any entity to whom you previously furnished such blocked or inaccurate information that the information has been blocked/removed. 

Please provide written confirmation within 5 business days of receipt of this affidavit, and complete any required blocking no later than 4 business days after receipt as required by 1681c-2. If you do not agree to block the items, please state the reason ( s ), identify the specific items you will not block, and provide the name and contact information of the furnisher ( s ) who provided the information in question. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 


: XXXX XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : ChexSystems Consumer Relations Re : Request to Block Information under 15 U.S.C. 1681c-2 Identity Theft Report Attached From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please see the attached affidavit and supporting documentation establishing that the listed items on my ChexSystems file are the result of identity theft and/or are inaccurate. Pursuant to 15 U.S.C. 1681c-2 and 1681i, please block and/or delete the fraudulent and inaccurate items and provide written confirmation to me at the address above. 

Thank you, Signature XXXX XXXX 3 ) law requires blocking/removal and what the Supreme Court has said - Statute requiring blocking : 15 U.S.C. 1681c-2. This provision requires consumer reporting agencies to block information that results from identity theft where the consumer provides ( 1 ) an identity-theft report and ( 2 ) appropriate proof and identification. The statute specifically requires the CRA to block the information promptly and not later than 4 business days after receipt of a proper request. 
- Reinvestigation : 15 U.S.C. 1681i requires a reinvestigation of disputed information and certain notices to furnishers. 
- Accuracy & procedures : 15 U.S.C. 1681e ( b ) requires CRAs to follow reasonable procedures to assure maximum possible accuracy of consumer report information. 

U.S. Supreme Court decisions- XXXX XXXX. XXXX of XXXX. XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : The Court discussed what constitutes willful noncompliance under the FCRA relevant if you later pursue claims for statutory or punitive damages for willful failure to comply with FCRA obligations. 
- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Held that a statutory violation alone does not automatically create Article III standing plaintiffs must allege a concrete injury. This case affects how courts analyze FCRA claims but does not change the statutory duty of CRAs to investigate/disclose/block per the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Clarified standing under Article III in the consumer-reporting context and emphasized that only concrete harms confer Article III standing. Again, this governs litigation standing but does not eliminate the statutory blocking duty under 1681c-2. 

Important note about those cases : none of these Supreme Court decisions negates your statutory rights under 15 U.S.C. 1681c-2 to request a block for identity-theft-related information. The statute itself requires blocking ( with the documentation I listed ). The Supreme Court cases address legal standards for suing under FCRA and liability standards ; they do not override Congresss specific blocking requirement. 



5 ) Request to send confirmation within 5 business days and expect the block to be completed within 4 business days per 1681c-2 after receipt of a bona fide identity theft report and required documentation. 
- If ChexSystems fails to comply, you may file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or the Federal Trade Commission ( FTC ), and you may consult an attorney about potential FCRA claims . The statutes provide remedies for failure to comply ; consult counsel if you want to pursue litigation.

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