Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result of this crime, fraudulent inquiries have appeared on my credit and debit report that I did not authorize, initiate, or approve. These inquiries are inaccurate, misleading, and damaging to my personal credit history. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute The following inquiries currently appear on my consumer report. I did not open any accounts or authorize any institution listed below to access my credit file. I have never applied for membership, loans, or financial services with these creditors, and I have had no contact with them. The presence of these inquiries is the result of identity theft and fraudulent use of my personal information. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Each of these inquiries was generated without my knowledge or consent. I have not initiated business with any of these companies and have not authorized the release of my credit file to them. The fact that these inquiries appear on my record demonstrates that my personally identifiable information, including my Social Security number, has been stolen and misused by an unknown party. 

These fraudulent inquiries damage my credit reputation and impair my ability to obtain legitimate credit or financial services. They also pose an ongoing risk, as they indicate that unauthorized parties may attempt to open accounts in my name without my knowledge.

Formal Request for Investigation and Debt Verification Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that the credit reporting agencies immediately block and delete these fraudulent items from my report. The law provides that once a consumer submits an identity theft report and identifies specific fraudulent items, the agencies must block those items from appearing in the consumers file within four ( 4 ) business days.

Additionally, pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I am requesting full debt verification for all disputed accounts and inquiries. If any creditor or furnisher claims that I applied for or authorized these accounts, I require documented proof in the form of signed contracts, applications, or written agreements that bear my verified signature. If no such documentation exists which it does not, since I never applied the disputed items must be permanently removed. 

Any attempt to verify these accounts without legitimate supporting evidence constitutes false reporting. If an account or inquiry is falsely verified as valid, I reserve the right to pursue damages under FCRA 616 ( 15 U.S.C. 1681n ), which entitles victims of willful noncompliance to statutory damages of {$1000.00} per violation, in addition to punitive damages and attorneys fees.

Supporting Documentation To support my identity theft claim and dispute, I am including the following documentation : A copy of my official identity theft report ( police report and/or FTC Identity Theft Affidavit ). 

A copy of my government-issued identification ( drivers license or passport ). 

Proof of my current residential address, such as a utility bill or bank statement. 

These documents confirm my identity and my residency, further establishing that I had no involvement with the fraudulent inquiries listed above. 

Requested Actions I respectfully demand that the credit reporting agencies and furnishers take the following actions in accordance with the FCRA and applicable federal law : Immediate blocking and removal of all fraudulent inquiries from my consumer credit report.

Verification of debt and authorization for each disputed inquiry, including documentary proof of my consent. 

Written confirmation that each fraudulent item has been deleted from my report. 

Notification to furnishers, instructing them to cease reporting unverifiable and fraudulent information. 

Delivery of an updated copy of my credit report reflecting the removal of all disputed items. 

I expect a written response confirming that these actions have been taken. If additional investigation is required, I request updates on the status of the dispute process within the time limits prescribed by the FCRA.

Consumer Rights and Legal Protections The FCRA provides clear rights to victims of identity theft. Under federal law : I have the right to block fraudulent items from my credit file. 

I have the right to request verification of any disputed account. 

I have the right to accurate reporting, free of misleading or fraudulent information. 

I have the right to statutory damages if credit reporting agencies or furnishers willfully fail to comply with the law.

Any delay or refusal to honor these rights would constitute a violation of federal law and may result in further legal action, including the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state authorities.

Closing Statement I did not authorize or initiate any of the inquiries listed in this dispute. These fraudulent items are the direct result of identity theft, and their continued presence on my credit file is both inaccurate and harmful. I am exercising my rights under the FCRA to have these inquiries removed, blocked, and corrected. 

I expect confirmation in writing that my request has been processed in accordance with federal law. Please be advised that failure to comply may result in further legal remedies being pursued. 

Thank you for your prompt attention to this matter.

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