Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
# CERTIFIED MAIL - RETURN RECEIPT REQUESTED XX/XX/XXXX ChexSystems, Inc. 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, XXXX XXXX * * Re : FORMAL DEMAND FOR PERMANENT REMOVAL OF INACCURATE INFORMATION * * * * Consumer : XXXX XXXX * * * * Last 4 of SSN : XXXX * * * * DOB : XX/XX/XXXX * * * * Contact : ( XXXX ) XXXX * * Dear ChexSystems Consumer Relations Department : This letter constitutes a formal dispute under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq., and a demand for PERMANENT REMOVAL AND DELETION of all inaccurate, incomplete, and unverifiable information from my consumer report. This dispute requires processing in compliance with the Consumer Data Industry Association 's Metro 2 Format and Credit Reporting Resource Guide ( CRRG ) standards. 

After thorough review of my ChexSystems report, I have identified multiple violations of federal consumer protection laws that require IMMEDIATE AND PERMANENT correction in accordance with Metro 2 Format standards and the Credit Reporting Resource Guide ( CRRG ) : 1. * * Multiple Unauthorized Inquiries ( Compliance Field : ECOA Code/Consumer Information Indicator ) * * : My report shows numerous inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) on behalf of XXXX XXXX and other entities within short time periods, which lack proper documentation of permissible purpose under FCRA Section XXXX. 

2. * * Chronological Impossibilities and Data Integrity Failures ( Compliance Field : Date of First Delinquency/Date Opened ) * * : My report contains inquiry dates that are inconsistent and include future dates ( beyond XX/XX/XXXX ), demonstrating a critical failure in data integrity that violates the fundamental accuracy requirements of FCRA Section XXXX ( b ) and Metro 2 reporting standards.

3. * * Absence of Required Consumer Notifications ( Account Status/Payment Rating Code Mismatch ) * * : I received no notifications for these inquiries as required by FCRA Section XXXX, violating both federal law and industry standards for consumer disclosure. 

4. * * Pattern of Suspicious Activity Indicative of Identity Theft ( Special Comment Code : BF- '' Fraudulent Transaction '' ) * * : The repetitive pattern of identical inquiries suggests potential fraudulent activity that triggers identity theft protection provisions under FCRA XXXX 

5. * * Critical Procedural Deficiencies ( Compliance Condition Code Violation ) * * : Your systems have failed to maintain data integrity standards required by the CRRG, as evidenced by chronological impossibilities and duplicate reporting in my file. 

* * DIRECT HARM RESULTING FROM VIOLATIONS : * * These reporting violations have caused me direct financial harm. Due to this inaccurate information, I was denied a credit card and other essential financial services needed to provide for my XXXX daughter. This constitutes actual damages under FCRA Section XXXX. 

* * FORMAL DEMANDS : * * I hereby demand ChexSystems take the following actions in accordance with federal law and Metro 2 industry standards : 1. PERMANENTLY REMOVE AND DELETE ALL XXXX XXXX inquiries shown on my report pursuant to FCRA Section XXXX ( a ) ( 5 ) with Compliance Condition Code XC ( Deleted/Account Closed ) as these items can not be verified as accurate through reasonable investigation 2. Apply Special Comment Code BF ( " Fraud or Disputed Information '' ) to all associated records during processing 3. Transmit Metro 2 deletion codes ( Status Code = DA ) to all associated financial institutions with your next regular reporting cycle to ensure these items are permanently removed from my file in compliance with Metro 2 reporting standards 4. Issue a corrected consumer disclosure with Account Type " Deleted '' showing complete removal of these items within 15 business days XXXX. Place an extended fraud alert ( Minimum 7 years ) on my file due to suspicious activity patterns with appropriate Consumer Information Indicator code 6. Provide me with complete audit trail documentation ( XXXX Segments ) relating to these inquiries and their source data 7. Pay statutory damages of {$1000.00} per violation ( approximately {$8000.00} based on the number of improper inquiries ) as compensation for actual damages suffered * * NOTICE OF ADDITIONAL RIGHTS BEING EXERCISED : * * In addition to permanent removal of inaccurate information, I am exercising my rights to : 1. Extended fraud alert protection ( 7-year term ) with appropriate Consumer Information Indicator ( CII ) code 2. Free consumer disclosures ( Segment Type : XXXX ) for monitoring purposes on a quarterly basis 3. Direct notification to all potential creditors regarding possible identity compromise with Special Comment Code " BF '' 4. Documentation of all investigation methods and results ( Segment Type : XXXX and XXXX ) Send all correspondence to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX * NOTICE OF POTENTIAL ESCALATION : * * Failure to fully comply with this request for permanent removal within 15 business days will result in immediate filing of complaints with : 1. Consumer Financial Protection Bureau 2. Federal Trade Commission 3. Louisiana Office of Financial Institutions 4. State Attorney General 's Office Furthermore, I will pursue all available remedies under federal law, including legal action seeking maximum statutory, actual, and punitive damages as permitted under FCRA Sections XXXX and XXXX. 

This matter requires your immediate attention and permanent resolution. 

Sincerely, XXXX XXXX Phone : XXXX Last 4 of SSN : XXXX DOB : XX/XX/XXXX cc : Consumer Financial Protection Bureau Louisiana Office of Financial Institutions

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