Consumer complaint received 2024-08-07 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: MI

Complaint narrative:
I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name Recardo Farley should be present all my consumer report any variation or misspelling of this name must be removed. The names " XXXX XXXX XXXX '' " XXXX XXXX XXXX '' " XXXX XXXX XXXX " Addresses. Only the address XXXX XXXX XXXX XXXX XXXX, MI XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX, MI XXXX And the address XXXX XXXX XXXX XXXX, FL XXXX They must be removed immediately In the birthdate/year of birth field XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. 

I do not want any Personal Statements present on any of my consumer reports. 

. XXXXXXXX XXXX  Balance {$450.00} Account number XXXX XXXXX per 15 USC 1681B this company does not have my permissible purpose to reflect or furnish. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of XXXX XXXX company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately. 
Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( XXXX ) XXXX a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 
15 usc 1681a 2 a i ) states that my transactions and experiences should not be a part of my consumer report.

This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Per 15 USC 1666 ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

The following accounts have been reflecting " late payments '' onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report..

This account is reported in accurately and illegally. It must be removed from our credit report. This account is incorrectly being reported as a charged off account with a balance due. I contacted this company and they have yet to provide proof of the accuracy of these accounts. This charged off account must provide proof of the charge of and update the balance to {$0.00} or delete the negative payment status on this account. This account is out of date, reported inaccurately, and incorrect information. It must be removed from my consumer report effective immediately and indefinitely. 
XXXX proof of chain of title of honor Account name : XXXX XXXX XXXX Original balance {$24000.00} Account number XXXX per 15 USC 1681B this company does not have my permissible purpose to reflect or furnish. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of this company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately. 
Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( XXXX ) XXXX a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 
15 usc 1681a 2 a i ) states that my transactions and experiences should not be a part of my consumer report.

This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Per 15 USC 1666 ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
The following accounts have been reflecting " late payments '' onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report.. 
This account is reported in accurately and illegally. It must be removed from our credit report. This account is incorrectly being reported as a charged off account with a balance due. I contacted this company and they have yet to provide proof of the accuracy of these accounts. This charged off account must provide proof of the charge of and update the balance to {$0.00} or delete the negative payment status on this account. This account is out of date, reported inaccurately, and incorrect information. It must be removed from my consumer report effective immediately and indefinitely. 
XXXX XXXX proof of chain of title of honor Account name : XXXX Original balance {$3500.00} Account number XXXX Open/closed O Closed Date opened XX/XX/XXXX per 15 USC 1681B this company does not have my permissible purpose to reflect or furnish. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of this company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately.

Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( XXXX ) XXXX a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 
15 usc 1681a 2 a i ) states that my transactions and experiences should not be a part of my consumer report.

This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Per 15 USC 1666 ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
The following accounts have been reflecting " late payments '' onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report.. 
This account is reported in accurately and illegally. It must be removed from our credit report. This account is incorrectly being reported as a charged off account with a balance due. I contacted this company and they have yet to provide proof of the accuracy of these accounts. This charged off account must provide proof of the charge of and update the balance to {$0.00} or delete the negative payment status on this account. This account is out of date, reported inaccurately, and incorrect information. It must be removed from my consumer report effective immediately and indefinitely. 
XXXX XXXX proof of chain of title of honor Account name : XXXX XXXX XXXX XXXXXXXX XXXX this account was created and furnished onto my consumer report as a result of aggravated identity death which is a violation of my rights as a federally protectedconsumer per 18 U.S. Code 1028A - Aggravated identity theft. I want this account removed from my consumer for effective music. Account number XXXX  XXXX this account number is not reflected in full, which is incomplete and inaccurate. This account is being reported on each of my consumer bureau and accurately because it does not represent a full account number, XXXX updated XX/XX/XXXX XXXX balance {$1200.00} this account is updated. It must be removed effectively immediately as it does not accurately represent me as a federally protected consumer, and this has been hindering me from receiving credit. 
per 15 USC 1681B this company does not have my permissible purpose to reflect or furnish. Any information onto my consumer report. Per 15 USC 6802.i am now opting out of this company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately. 
Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( XXXX ) XXXX a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 
15 usc 1681a 2 a i ) states that my transactions and experiences should not be a part of my consumer report.

This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 2 ) Exclusions.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Per 15 USC 1666 ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
The following accounts have been reflecting " late payments '' onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report.. 
This account is reported in accurately and illegally. It must be removed from our credit report. This account is incorrectly being reported as a charged off account with a balance due. I contacted this company and they have yet to provide proof of the accuracy of these accounts. This charged off account must provide proof of the charge of and update the balance to {$0.00} or delete the negative payment status on this account. This account is out of date, reported inaccurately, and incorrect information. It must be removed from my consumer report effective immediately and indefinitely. 
XXXX XXXX proof of chain of title of honor. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX Original filing date Latest status date XXXX XXXX, XXXX XX/XX/XXXX Reference number XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have contacted this Data furnisher and they have assured me that they do not report federal XXXX  XXXX bankruptcy to anyone, including the consumer reporting agencies. After disputing this account with the consumer reporting agencies, they have insisted to me that they have verified with the original credit, but I have contacted the original creditor and they have expressly explained that they do not report this information to anyone. This account reporting on my consumer report is a violation of my privacy and my rights as a friendly protect the consumer. This account is inconsistently reporting all my consumer reports it is not present on all of my consumer reports. Therefore it is inaccurate and inconsistent. It must be removed. The Information related to and pertaining to this account is not consistent across-the-board.

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