Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am submitting this follow-up to my prior complaint ( # XXXX ) regarding ChexSystems, Inc., XXXX XXXX XXXX XXXX XXXXXXXX, and other third parties for their direct violations of federal and state laws and my consumer protection rights. Despite my initial complaint, the issues remain unresolved, and further violations have come to light. I now request immediate intervention by the CFPB to address these ongoing violations. 

The attached letter to ChexSystems details the violations, applicable legal precedents, and demands for corrective action. Additionally, I have issued a formal cease-and-desist directive to ChexSystems and other involved parties to prevent further harm to my financial reputation and consumer rights. These violations are serious and require regulatory oversight and enforcement.

Direct Violations of the Law and Consumer Protection Rights Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy, as evidenced by the inclusion of " XXXX '' in ChexSystems response, suggesting file mixing and mishandling of my complaint.

15 U.S.C. 1681i ( a ) : Failure to conduct reasonable reinvestigation of disputed inaccuracies.

15 U.S.C. 1681g ( a ) ( 3 ) : Failure to disclose entities that accessed or shared my information.

Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e : Reporting inaccurate debts constitutes deceptive practices.

15 U.S.C. 1692f : Allowing inaccurate debts to remain in consumer files is unconscionable.

Gramm-Leach-Bliley Act ( GLBA ) : 15 U.S.C. 6801 : Failure to safeguard my personal information from unauthorized access.

15 U.S.C. 6802 : Failure to honor opt-out rights for sharing my personal data.

Texas Finance Code : 392.304 : Reporting false or misleading information about my financial history.

392.301 : Mishandling my complaint and failing to correct inaccuracies constitutes deceptive practices. 
XXXX XXXX and XXXX Compliance Standards : XXXX XXXX Format : Failure to ensure accurate reporting under industry standards. 
XXXX : Failure to properly process disputes and reinvestigate errors. 
Background of the Issue Unauthorized Data Handling : ChexSystems and other consumer reporting agencies ( CRAs ) have failed to safeguard my personal information, allowing unauthorized access, inaccurate reporting, and failing to disclose all interactions with my data.

Security Freeze Violations : Despite my request for a security freeze, unauthorized parties have accessed and shared my personal information without my explicit consent, violating FCRA and GLBA protections. 

Inaccurate Reporting : The XXXX Credit Report and other records contain inaccurate and misleading information regarding accounts that have been resolved, canceled, or disputed. ChexSystems failed to investigate or correct these inaccuracies, causing harm to my financial well-being. 

Chronological Timeline of Events XX/XX/XXXX : XXXX inquiry requested by XXXX XXXX XXXX XXXX  logged inaccurate financial activity inconsistent with my history. 
XX/XX/XXXX : ChexSystems updated its privacy policy but failed to honor opt-out rights or safeguard personal information. 
XX/XX/XXXX : ChexSystems reported data requested by XXXX, yet logged activity contained inaccuracies, including XXXX accounts identified and fraudulent bank account closures. 
Demands for Corrective Action To resolve these issues, I demand the following actions : Immediate Clarification Regarding " XXXX '' : Provide a detailed explanation of why " XXXX '' was referenced in ChexSystems response to my CFPB complaint. 
Confirm that my complaint and file were not mixed with another consumers data. 
Full Disclosure : Provide all communications, notes, records, transcripts, and requests involving my personal information from XX/XX/XXXX, through XX/XX/XXXX. 
Transparency and Accountability : Provide proof that every instance of my information being accessed or shared was done under a permissible purpose as defined by FCRA 1681b.

Correction of Inaccurate Information : Investigate and remove any inaccurate, incomplete, or unverifiable information reported by ChexSystems or other entities.

Compensation for Damages : Provide compensation for damages caused by willful and negligent noncompliance with federal and state laws.

Regulatory Oversight : Submit a detailed report to the CFPB confirming corrective actions taken to resolve the violations.

Request for CFPB Action I request that the CFPB take immediate action to enforce compliance with federal and state laws, including : Investigating ChexSystems and Associated CRAs : Investigate ChexSystems, XXXX XXXX XXXX XXXX and other involved parties for violations of the FCRA, FDCPA, GLBA, and Texas Finance Code.

Enforcing Consumer Protection Rights : Ensure ChexSystems complies with its obligations under federal law to safeguard my personal information, correct inaccuracies, and provide full disclosure of all interactions with my data.

Imposing Penalties for Noncompliance : Impose penalties for willful and negligent violations of consumer protection laws. 
Attachments CFPB Complaint Response ( # XXXX ) FTC Fraud Report Confirmation ( # XXXX ) ChexSystems Privacy Policy Supporting Legal Precedents ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Deadline for Response : I expect the CFPB to act on this matter promptly. Failure to address these issues will result in further escalation, including filing complaints with the FTC, Texas Attorney Generals Office, and pursuing legal remedies for damages caused by noncompliance.

Thank you for your attention to this matter. I look forward to your prompt response.

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