Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
CFPB Complaint Problem with a Companys Investigation into an Existing Issue Complainant : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX, MN XXXX Summary of Complaint I am filing this complaint against XXXX XXXXXXXX for its continued reporting of inaccurate, fraudulent, and unverified banking or deposit account information that resulted from identity theft. Despite submitting an Identity Theft Report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ) and providing all required documentation ( government-issued ID, FTC report, and supporting evidence ), XXXX has failed to remove or block the fraudulent entries within the four ( 4 ) business days required by law. The continued publication of false information in my consumer file has caused me denial of checking and savings accounts, financial hardship, and damage to my reputation. XXXX  failure to act promptly and in accordance with federal law constitutes an unlawful violation of my consumer rights.

Violations and Legal Grounds FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to Block Identity Theft Information : Once an identity theft report is received, a consumer reporting agency must block and delete fraudulent information within four ( 4 ) business days. XXXX  has not complied.

FCRA 611 ( 15 U.S.C. 1681i ) Failure to Reinvestigate Disputed Information : XXXX did not conduct a reasonable reinvestigation, nor did it provide verification of the information it continues to report.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to Assure Maximum Possible Accuracy : By maintaining false or unverifiable records, XXXX  violated its duty to ensure that reported data is accurate and up to date.

FCRA 609 ( a ) ( 1 ) Failure to Provide File Disclosure : XXXX has not provided a complete and accurate consumer file disclosure detailing what is being reported or where it originated.

FCRA 623 ( a ) ( 1 ) ( A ) Duty of Furnishers to Report Accurate Information : Any furnishers providing false or unverified information to XXXX are also in violation of this provision.

UCC 9-611 and 9-613 Failure to Provide Proper Notice Before Reporting Adverse Information : XXXX  and its furnishers did not provide advance notice before transmitting negative data that impacts my financial standing.

CFPB Regulation V, 12 C.F.R. 1022.43 ( b ) ( 2 ) Obligation to Provide Supporting Data for Dispute Resolution : XXXX  failed to provide documentary proof or a verifiable audit trail confirming the accuracy of its reporting.

Pattern of Misconduct XXXX  has shown a pattern of ignoring identity theft reports and continuing to furnish unverified information to financial institutions. This constitutes a systemic failure to comply with federal consumer protection laws and an act of discrimination by obstructing my ability to access basic banking services.

Requested Relief 1.Immediate deletion or blocking of all fraudulent and unverified XXXX  entries . 
2.Written confirmation and mailed copy of my corrected consumer report.

3.Disclosure of all sources that furnished information on my file, including the dates and nature of those reports.

4.Civil monetary relief for statutory damages under FCRA 616617 and other applicable laws.

5.CFPB enforcement action against XXXX  for systemic failure to comply with federal law and its continued harm to consumers affected by identity theft.

Respectfully submitted, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/scrub> 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