Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
FINAL NOTICE AND LEGAL DEMAND FOR FEDERAL ENFORCEMENT AND DELETION UNDER THE FAIR CREDIT REPORTING ACT To : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Final Notice and Legal Demand Federal Enforcement and Deletion Required for Unlawful Reporting by XXXX  XXXX XXXX, XXXX XXXX, and ChexSystems This document serves as a final legal demand and notice pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, 1681e ( b ), 1681i, 1681n, 1681o, and 1681s ( a ). It is issued to demand immediate federal enforcement, deletion, and written confirmation concerning unauthorized and unverified information currently being published by ChexSystems, furnished by XXXX  XXXX XXXX and XXXX XXXX. 
My ChexSystems file contains the following unsubstantiated records : XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; Closure Date : XX/XX/XXXX ; Amount : {$66.00} ; Reported Reason : Suspected Fraud Activity. 
XXXX. XXXX XXXX  XXXX XXXX XXXX, XXXX, RI XXXX ; Closure Date : XX/XX/XXXX ; Amount : {$200.00} ; Reported Reason : Suspected Fraud Activity. 
Neither institution has ever provided proof, notice, or certified verification substantiating any allegation of fraud. No authorization bearing my signature exists allowing these institutions or ChexSystems to furnish or share my consumer data. These reports constitute unauthorized furnishing, willful inaccuracy, and negligent handling of personal consumer information in violation of federal law. 
1. Unauthorized Furnishing and Use 15 U.S.C. 1681b ChexSystems, XXXX  XXXX XXXX, and XXXX XXXX  have furnished and distributed consumer information without permissible purpose or consumer consent, violating 1681b. Continued reporting without authorization represents willful noncompliance.

2. Accuracy and Verification Failure 15 U.S.C. 1681e ( b ) ChexSystems has failed to ensure the maximum possible accuracy of reported data. Listing unsubstantiated fraud records without evidence reflects a breakdown of compliance controls and reckless disregard for consumer rights.

3. Failure to Reinvestigate and Delete 15 U.S.C. 1681i and 611 ( a ) ( 5 ) Upon prior disputes, no documentation or sworn verification was produced. Under 611 ( a ) ( 5 ), unverifiable information must be deleted immediately. Retaining unverifiable data after notice constitutes ongoing noncompliance. 
XXXX. CFPB XXXX XXXX XXXX XXXX. XXXX ( a ) The CFPB has direct supervisory and enforcement jurisdiction over consumer reporting agencies and furnishers of information. I am invoking XXXX ( a ) to request formal investigation, compliance review, and corrective enforcement action against the named entities. 
XXXX. Civil Liability XXXX XXXX. XXXX & XXXX If these violations persist, all involved parties XXXX be subject to statutory, actual, and punitive damages for willful and negligent violations, including federal civil penalties. 
FORMAL DEMAND AND DEADLINE I hereby issue this final demand requiring the following actions within XXXX calendar days of receipt of this notice : XXXX. XXXX deletion of all unverifiable or unauthorized records from my ChexSystems file. 
XXXX. Submission of certified and notarized affidavits of verification from Bank XXXX XXXX, XXXX Bank, and ChexSystems attesting to the accuracy and permissible purpose of all data furnished. 
XXXX. Written confirmation from ChexSystems confirming deletion and correction under XXXX ( a ) ( XXXX ). 
XXXX. Notification of all recipients to whom the inaccurate data was furnished, as required by federal law. 
Failure to comply within 15 days will constitute willful noncompliance and grounds for escalation to federal enforcement and civil proceedings under the Fair Credit Reporting Act. This notice will serve as formal evidence of your opportunity to correct and comply prior to legal escalation. 
This correspondence constitutes a final notice and legal demand under the Fair Credit Reporting Act and XXXX be used in any future administrative or judicial proceeding as proof of notice and request for corrective action.

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