Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
I am writing to dispute the closure of my complaint against ChexSystems and to reiterate that the core issue I reported has not been addressed at all.

My original complaint focused on ChexSystems ' violation of the Fair Credit Reporting Act ( FCRA ) specifically their failure to comply with the 30-day reinvestigation period outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I provided time-stamped, dated evidence showing that ChexSystems took well over 30 days to respond to my disputes and failed to correct or delete the disputed information within that required period.

That alone is a direct violation of federal law, and per the FCRA, any disputed information not verified within 30 days must be removed. The fact that ChexSystems only began processing or investigating my claims long after the 30-day mark had passed does not excuse or reverse their obligation under the law. There is no provision in the FCRA that extends or re-starts the 30-day clock simply because a company drags its feet.

Yet, despite clear proof that ChexSystems exceeded the FCRA deadline and remained in violation for months, the CFPB accepted their explanation and closed my case even though their response completely ignored the 30-day deadline requirement and never addressed it.

ChexSystems ' response about needing further identity theft documentation is irrelevant to the legal deadline issue. The FCRA doesn't require a police report to remove data when the reinvestigation period expires without resolution. And I already submitted an FTC Identity Theft Report and ample evidence of fraud. They had more than enough documentation to act but they ignored the law.

This is not a misunderstanding it's a systemic failure to enforce federal law. ChexSystems has been in open violation since XXXX, and they remain in violation to this day. I have submitted hundreds of pages of evidence, including : Dated dispute letters Certified mail receipts and faxes Time-stamped emails Identity theft affidavits Police reports filed with XXXX XXXX  ( Incident # XXXX ) Despite this, I am still being punished by incorrect, damaging, and legally non-compliant information that should have been removed months ago.

I respectfully demand : Immediate re-opening of my complaint against ChexSystems based on their failure to comply with the 30-day reinvestigation deadline.

That CFPB acknowledge and enforce the FCRA 's 30-day requirement and hold ChexSystems accountable for this long-running violation.

That all negative or disputed information be permanently removed from my file under 1681i ( a ) ( 5 ) ( A ) of the FCRA.

That the CFPB re-evaluate how it handles cases where a consumer reporting agency simply delays action past the legal deadline and still escapes consequences.

If this matter is not promptly readdressed, I will be forced to escalate it further, including pursuing legal remedies under the FCRA, contacting my state attorney general, submitting a formal request to Congress for an investigation into the
CFPBs enforcement practices, and filing a FOIA request regarding the handling of my complaint.

Ive done my part. Ive followed the rules. Ive documented every step. I expect the law to work the same for me as it does for billion-dollar data brokers.

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