Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX Email : XXXX XX/XX/XXXX Subject : Formal FCRA Dispute Unauthorized, Inaccurate, and Unverifiable Consumer Reporting To Whom It May Concern : This letter constitutes a formal dispute and request for reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., directed to your consumer reporting agencies : ChexSystems, XXXX XXXX XXXX, and XXXX XXXX. 

Upon reviewing information that your agencies maintain about me, I have identified data that : Is inaccurate or materially misleading ; Was furnished or obtained without a certified permissible purpose ; Can not be verified through original documentation as required under the FCRA. 

Accordingly, I am demanding full compliance with the following statutory obligations : 15 U.S.C. 1681b ( f ) A person shall not use or obtain a consumer report for any purpose unless the purpose is certified and the information is used for that purpose.

I demand documented proof that all inquiries and data entries were furnished or accessed with a certified permissible purpose, disclosed at the time of inquiry in accordance with 1681e ( a ).

15 U.S.C. 1681g ( a ) ( 1 ) Every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer all information in the consumers file at the time of the request.

You are required to provide a complete consumer file disclosure that includes : All inquiries ( soft and hard ) ; Recipients of my report ; Source ( s ) of each data item ; All data currently being reported ; The identity of each entity that has requested my file within the last 24 months.

15 U.S.C. 1681i ( a ) If the completeness or accuracy of any item of information is disputed by the consumer the agency shall conduct a reasonable reinvestigation You are required to reinvestigate and delete any information that is inaccurate, incomplete, or can not be verified within 30 calendar days of receiving this dispute.

15 U.S.C. 1681s-2 ( b ) A furnisher of information after receiving notice shall conduct an investigation, review all relevant information, and report the results If the information is inaccurate or incomplete the information must be modified, deleted, or blocked.

You must also ensure your data furnishers perform a lawful reinvestigation and cease reporting any unverifiable, inaccurate, or incomplete data.

I expect your agencies to : Conduct timely reinvestigations ; Remove all information that can not be verified with original source documentation ; Provide me with updated file disclosures upon completion of your investigations.

Should you fail to comply with these provisions, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal remedies under 1681n and 1681o for willful or negligent noncompliance.

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