Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
XXXX has initiated or threatened lawsuits and collection actions in states or jurisdictions where members do not reside, which violates basic consumer protection and jurisdictional standards. 
This practice appears to violate due process and may be an unfair practice under 12 U.S.C. 5531 ( CFPB authority over abusive financial practices ). 
XXXX  behavior demonstrates disregard for the XXXX  supervisory guidance that federally insured credit unions must operate within ethical and lawful boundaries when pursuing member debts or litigation. 

3. Pattern of Ignoring XXXX Oversight Despite XXXX directives following its XXXX conservatorship, XXXX continues to operate in a manner inconsistent with XXXX XXXX XXXX best-practice standards. 
Members are not provided proper notices, dispute handling, or internal review options before external collection or litigation is pursued. 

4. Requested CFPB Action I request that the Consumer Financial Protection Bureau investigate XXXX current operating practices to determine : Whether XXXX is in violation of FCRA and XXXX member-protection regulations. 
Whether XXXX  legal actions against out-of-state members violate federal consumer financial laws and CFPBs standards for fair and transparent treatment. 
Whether corrective action, penalties, or referral back to XXXX supervision are warranted. 



I have mailed all the documentation to XXXX main office : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX  XXXX charter : Federally insured, supervised by XXXX and XXXX XXXX I have documentation of improper reporting, ignored disputes, and/or legal correspondence from XXXX that demonstrates these violations. These will be uploaded with my complaint. 


XXXX XXXX XXXX ( XXXX ) is acting in direct violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ). 

1. Violation of XXXX Guidelines XXXX has failed to adhere to XXXX  operational and member protection guidelines, specifically those requiring : Proper dispute resolution and member notification procedures. 
Transparency and accuracy in all reporting of member data to third-party credit agencies. 
Compliance with fair lending and fair collection practices. 

These failures directly contradict XXXX Regulation 12 CFR 717, which governs the accuracy and integrity of information furnished to consumer reporting agencies.

2. Violation of FCRA Reporting Standards XXXX continues to report or share inaccurate, outdated, or unverifiable information with consumer reporting agencies including : Chexsystems  XXXX XXXX XXXX Under FCRA ( 15 U.S.C. 1681s-2 ), furnishers of information are prohibited from reporting information they knowor should knowis inaccurate, and they are required to promptly correct or delete information found to be invalid or unverifiable.

XXXX  continued reporting of deleted or unverified debt violates these provisions and must be immediately removed from all consumer reporting systems. 

3. Improper Legal Action and Defective Service XXXX initiated a lawsuit that was improperly filed and incorrectly served, in clear violation of state civil procedure laws and the consumers due process rights. 
This defective service renders the legal action invalid and constitutes grounds for a countersuit under applicable consumer protection and abuse-of-process statutes. 
The use of an improperly served or unlawfully initiated lawsuit is a misuse of the judicial process and violates the CFPBs Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards under 12 U.S.C. 5531.

4. Requested Relief I am requesting that the Consumer Financial Protection Bureau and the XXXX : Order XXXX  to cease all inaccurate reporting and remove all unverifiable data from XXXX, XXXX, and XXXX 
Investigate XXXX  compliance with FCRA and XXXX reporting guidelines. 
Review XXXX  litigation and member-handling practices for potential violations of federal and state law. 

5. Conclusion XXXX  ongoing misconduct demonstrates a pattern of noncompliance with federal consumer financial protection laws. The failure to correct inaccurate reporting and the initiation of improperly served legal actions warrant FCRA & XXXX investigation ON XXXX and corrective enforcement action. 

this is 100 % Against XXXX guidelines and against FCRA guidelines, they must remove any reporting debts from XXXXXXXX XXXX XXXX, and XXXX XXXX  Ths Law suit that was improperly served and served incorrectly is grounds for countersuit for improper use of immediately.

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