Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX Email : XXXX Date : XX/XX/XXXX Attn : Fraud Supervisor Chex Systems , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX RE : FORMAL CEASE AND DESIST DEMAND | IDENTITY THEFT & ILLEGAL REPORTING OF INFORMATION To Whom It May Concern : This correspondence serves as a formal Cease and Desist demand regarding fraudulent, unauthorized, and harmful information being reported and maintained by Chex Systems , Inc. on my consumer file. You are hereby instructed to immediately cease and desist from reporting or distributing any data related to me that is erroneous, inaccurate, fraudulent, or obtained without my consent. 

Identity Theft & Unauthorized Accounts I, XXXX XXXX XXXX, am the victim of identity theft. Any entries within my ChexSystems file related to bank accounts, credit unions, or financial institutions showing outstanding balances or derogatory data are fraudulent and were opened without my knowledge or consent. This information must be investigated, verified, and permanently removed under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 

Lack of Consent Violation of Federal Consumer Laws I never authorized Chex Systems to access, report, store, or distribute my personal data or banking history. Your continued reporting is an illegal violation of my privacy rights, specifically : 15 U.S. Code 1681b Permissible purposes of consumer reports.

15 U.S. Code 1681e ( a ) Reasonable procedures to assure maximum possible accuracy.

15 U.S. Code 1681c Obsolete information. 

I have filed multiple complaints with both the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding these violations. Copies of those complaints are available upon request. You are now on notice of legal liability. 

Case Law ChexSystems Liability & Violations Below are three legal precedents where Chex Systems was found liable or where the courts addressed their obligations under federal law : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Plaintiff alleged that ChexSystems violated the FCRA by failing to reinvestigate disputed entries and continuing to report inaccurate information. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Although not directly about ChexSystems, this case underscores the liability of credit reporting agencies for failure to maintain accurate records. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Courts ruled in favor of consumers where agencies failed to follow reasonable procedures, a precedent equally applicable to ChexSystems. 

Case Law Illegality of Reporting Without Consent Additionally, courts have affirmed that reporting or accessing consumer data without explicit consent is unlawful : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXX ) Accessing a credit report without a permissible purpose violates FCRA. 
XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) Consent is a prerequisite for accessing and reporting consumer data. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) Reaffirmed that a credit reporting agency can not report or disclose information without specific authorization. 

DEMAND FOR IMMEDIATE ACTION 1. Cease and Desist from reporting or distributing any and all information related to the fraudulent accounts.

2. Remove and delete all negative or unauthorized entries from my ChexSystems file.

3. Mail a full copy of all records, including data collected, stored, and reported in your system to my address listed above.

4. Accept communications via email or phone to resolve this issue efficiently. It is unacceptable and burdensome that you require outdated mailing processes to correct matters of this gravity. 

Documents Enclosed/To Be Sent : FTC Complaint Reference Numbers Copy of Government-Issued ID Social Security Card If you fail to comply with this demand, I will not hesitate to pursue further legal action, including filing civil complaints for negligent reporting, unauthorized data sharing, and willful noncompliance with federal law. 

Sincerely, XXXX XXXX XXXX

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