Consumer complaint received 2024-08-26 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: SC

Complaint narrative:
I'm not sure why the CFPB would close an account without giving us a chance to respond to the other party statement. So we continue with XXXX as not closed. And this is the reason why : Chex Systems is playing the same game as XXXX XXXX XXXX. 

I am contacting to Senator on the hill to address this so called " Specialty Consumer Agency ''. The consumer agencies like Chex Systems and XXXX XXXX have found a loop hope in the gramm leach bliley act and they just found the right person to fight them on this issue.

This issue of special consumer agency was argued in the case of XXXX XXXX XXXX XXXX v. Federal Trade Commission and the Federal judge ruled in the FTC favor. 

XXXX XXXX XXXX, Circuit Judge : XXXX XXXX XXXX XXXX, a " credit reporting agency '' ( CRA ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., challenges regulations promulgated by the Federal Trade Commission ( FTC ) and other federal agencies to implement the privacy provisions of the Gramm-Leach-Bliley Act ( GLBA ), Pub.L. No. 106-102, 113 Stat. 1338 ( 1999 ) ( codified at 15 U.S.C. 6801 et seq. ). XXXX XXXX contends the regulations unlawfully restrict a CRA 's ability to disclose and reuse certain consumer information because ( 1 ) a CRA is not a " financial institution '' subject to the FTC 's rulemaking authority under the GLBA ; ( 2 ) the regulations ' definition of the statutory term " personally identifiable financial information '' ( PIFI ) is overbroad ; ( 3 ) the regulations ' restrictions on reuse of information are inconsistent with the GLBA ; and ( 4 ) the challenged regulations infringe XXXX XXXX XXXX right of free speech under the First Amendment to the United States Constitution. The district court rejected these challenges and upheld the regulations. For the reasons set out below, we affirm the district court 's decision.

The FCRA defines a CRA as any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

15 U.S.C. 1681a ( f ). The parties agree that XXXX XXXX comes within this definition. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The other federal agencies sued in this action are the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency, the XXXX XXXX XXXX XXXX, the Federal Deposit Insurance Corporation and the National Credit Union Administration. This opinion will refer to the appellee agencies, collectively, as the FTC. 

So we will get in contact with Senator XXXX XXXX and others to address this issue. 

Furthermore, Chex System wrote in their response, they receive information about closed accounts from financial institution. Now that statement is quite funny to us because we just received a letter from XXXX  XXXX XXXX today claiming they did not send any of our information to Chex System. So who is lying here?

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