Consumer complaint received 2025-05-28 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:
# FORMAL DISPUTE LETTER UNDER THE FAIR CREDIT REPORTING ACT * * Date : * * XX/XX/XXXX * * TO : * * ChexSystems, Inc. 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX * * FROM : * * XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX * * RE : FORMAL DISPUTE AND DEMAND FOR INVESTIGATION * * * * Consumer File Number : * * Consumer ID XXXX * * SSN : * * XXXXXXXX XXXX XXXX XXXX XXXX NOTICE OF DISPUTE UNDER 15 U.S.C. 1681i Dear Consumer Relations : I am writing to formally dispute inaccurate, incomplete, and unverifiable information contained in my ChexSystems consumer file in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

# # SPECIFIC ITEMS DISPUTED # # # 1. EXCESSIVE AND POTENTIALLY UNAUTHORIZED INQUIRIES I dispute the following inquiries as lacking permissible purpose under 15 U.S.C. 1681b : * * XXXX XXXXXXXX Inquiries on behalf of XXXX XXXX : * * - Inquiry Date : XX/XX/XXXX - Inquiry Date : XX/XX/XXXX - Inquiry Date : XX/XX/XXXX - Inquiry Date : XX/XX/XXXX - Inquiry Date : XX/XX/XXXX - Inquiry Date : XX/XX/XXXX - Inquiry Date : XX/XX/XXXX - Inquiry Date : XX/XX/XXXX * * Additional Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX * * Basis for Dispute : * * These multiple inquiries from the same entity within short timeframes appear to lack legitimate permissible purpose for each individual access. Under 15 U.S.C. 1681b, each inquiry must have a separate permissible purpose. I demand verification of the specific permissible purpose for each inquiry. 

# # # 2. SOCIAL SECURITY NUMBER VALIDATION INACCURACY I dispute the XXXX validation information showing : " XXXX BECAME AVAILABLE FOR ISSUANCE IN XXXX IN LA '' * * Basis for Dispute : * * This information appears inaccurate and may indicate mixed file issues or identity verification problems in violation of FCRA 1681e ( b ).

# # LEGAL DEMANDS UNDER THE FCRA # # # Investigation Required - 15 U.S.C. 1681i ( a ) ( 1 ) You are legally obligated to conduct a reasonable reinvestigation of the disputed items within * * thirty ( 30 ) days * * of receipt of this letter. This investigation must include : 1. * * Verification of Permissible Purpose : * * For each disputed inquiry, provide documentation proving the specific permissible purpose under 15 U.S.C. 1681b 2. * * Furnisher Contact : * * Forward this dispute to the data furnishers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. * * Documentation Review : * * Review all documentation supporting the disputed information 4. * * SSN Verification : * * Verify the accuracy of Social Security Number validation information # # # Deletion Required if Unverifiable Per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you must * * DELETE * * any information that can not be verified as accurate, complete, and having proper permissible purpose.

# # # Written Results Required - 15 U.S.C. 1681i ( a ) ( 6 ) You must provide me with written results of your investigation, including : - Summary of the investigation conducted - Copy of my updated consumer file - Notice of any deletions or modifications made - If items remain, explanation of verification process completed # # NOTICE OF POTENTIAL VIOLATIONS Your file appears to contain the following FCRA violations : 1. * * 1681b Violations : * * Inquiries lacking permissible purpose 2. * * 1681e ( b ) Violations : * * Inaccurate information maintenance 3. * * 1681i Violations : * * If proper investigation is not conducted # # DEMAND FOR COMPLIANCE I demand that you : 1. * * IMMEDIATELY INVESTIGATE * * all disputed items within 30 days 2. * * DELETE * * all unverifiable inquiries and inaccurate information 3. * * PROVIDE WRITTEN RESULTS * * of your investigation 4. * * SEND UPDATED CONSUMER DISCLOSURE * * showing all corrections 5. * * NOTIFY ALL RECIPIENTS * * of corrected information per 1681i ( d ) # # PRESERVATION OF RIGHTS This dispute is made without waiver of any rights under state or federal law. I reserve all rights to pursue legal remedies for any violations of the FCRA, including but not limited to statutory damages, actual damages, punitive damages, and attorney 's fees under 15 U.S.C. 1681n and 1681o. 

# # CERTIFICATION I certify under penalty of perjury that the information provided in this dispute is true and accurate to the best of my knowledge. 

-- - * * Sincerely, * * XXXX XXXX * * Enclosures : * * - Copy of Consumer Disclosure Report - Copy of Photo ID - Proof of Address

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