Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
UNAUTHORIZED INQUIRIES XXXX. XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, MD XXXX XXXX. XXXX : XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX, XXXX, CA XXXX Number : XXXX Chex Systems XXXX XXXX am writing to formally dispute certain items on my consumer report, as provided by Chex Systems XXXX As a consumer, I am entitled under the Fair Credit Reporting Act ( FCRA ) to challenge information that is inaccurate or unverifiable. This letter serves as my formal dispute regarding the following items on my consumer report : 1. All NSF ( Non-Sufficient Funds ) events 2. All banking overdraft events 3. All negative balance events 4. Account closures I would like to draw your attention to the definition of " consumer reports '' under 15 USC 1681 ( a ) ( 2 ), which excludes reports containing information solely on transactions and experiences between the consumer and the " person '' making the report. In this context, the term " person '' includes corporations such as Chex Systems. The events mentioned, including NSF occurrences, overdrafts, and account closures, are considered " transactions and experiences '' within a private business relationship between myself and my bank, not between myself and Chex Systems. Given that I did not open an account with Chex Systems, these events should not be reported by your agency. 
Additionally, it is noteworthy that the financial institutions sharing this information with Chex Systems are not related by any common ownership or corporate control, rendering Chex Systems a non-affiliated third party. According to the Fair Credit Reporting Act, the unauthorized sharing of consumers ' nonpublic personal information with any non- affiliated third-party consumer reporting agency is considered a breach of identity protection. 
I want to emphasize that I did not provide written authorization to any of the financial institutions involved to share my banking records and history with Chex Systems. This sharing of my nonpublic personal information with your agency constitutes a separate transaction that occurred without my written consent or notice to opt into the sharing of my personal information.

Moreover, as per 15 USC 1681 ( d ), any " person, '' including corporations like Chex Systems, may not procure a consumer report on any consumer unless there is a clear disclosure to the consumer that an investigative consumer report may be created. This disclosure must be in writing or mailed to the consumer no later than XXXX days after the date on which the report was requested ( inquiry date or first transaction date ). I did not receive any written disclosure from Chex Systems regarding the creation of a consumer report detailing my banking history, transactions, account overdraft status, and overall banking record. 
To validate the legitimacy of your claim that I provided written authorization for the creation of such a report, I request that you provide a certified mail tracking number and a return receipt showing my name and address as the recipient. If you are unable to furnish this proof within the dispute period of XXXX XXXX, I insist that you promptly delete all the

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