Consumer complaint received 2025-01-24 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: PA

Complaint narrative:
FACTS : 1 ) In XXXX, I initiated and placed a Security Freeze on my accounts because I suspected and discovered fraud, i.e., identity theft and other [ which a police report was filed in XXXX and other complaints thereafter ) Yet, despite the Security Freeze, and upon discovery my account was violated. Noticeably, I did not receive any communication about this FCRA Violation. 
2 ) On XX/XX/XXXX, XXXX -- I tried to login to my account because I was having major thought-provoking Issues that raised concerns. Including but not limited to repeating disputed information on my credit reports, and other calculating movements associated with very specific businesses. 
3 ) When I tried to retrieve my information, I was taken back when prompt for the security code to be sent to an unknown phone number # ending XXXX and an email address named XXXX XXXXXXXX. XXXXwhich does not belong to me nor accurately reflect my consumer file. 
4 ) On XX/XX/XXXX, XXXX -- I tried again, using my Consumer Id # to retrieve my information, yet again, I was taken back when prompt for the security code to be sent to another unknown phone number # ending XXXX and another email address named XXXX XXXXXXXX. XXXXwhich does not belong to me nor accurately reflect my consumer file. [ XXXX ] Rules : FCRA ( Federal Fair Credit Reporting Act ) [ Also See XXXX XXXX XXXX  ) A. The Federal Fair Credit Reporting ( FCRA ) promotes the accuracy, fairness, and privacy information in the files of Consumer Reporting agencies. ( ChexSystems _FCRA P.4 ) B. You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application-or to take another adverse action against you-must tell you and must give you the name, address, and phone number of the agencies that provided the information. Id. 
C. You have the right to dispute incomplete or inaccurate information. If you identify inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Id.

D. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Id.

E. You may seek damages from violators : if a consumer reporting agency or in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. Ibid.

F. To request a temporary lift or permanent removal of the Security Freeze, complete the enclosed Security Freeze Lift form. These requests can also be made through the Security Freeze Department website or hotline.

G. You may submit a complaint regarding ChexSystems by mail to ChexSystems , Inc. Attn : Consumer Relations Protection Bureau or by www.consumerfnance.gov/complants ISSUE ( S ) : 1. Whether ChexSystems violated the consumer rights according to FCRA?

2. Whether the emails and phone numbers named are associated with and/or belong to account holding named in this complaint?

Argument ChexSystems is a nationwide specialty consumer reporting agency under the Federal Fair Credit Act ( FCRA ). 
In XXXX, per my request, ChexSystems placed a security Freeze on my consumer file. When the XXXXecurity Freeze is in effect, anyone who requests access to this consumer file will receive a message from ChexSystems indicating that a security freeze is in place and, therefore, information is blocked. Taking advantage of this right may delay or prevent timely approval from any user of the consumer report. The consumer may request a temporary lift to the security freeze to conduct business. ( ChexSystems, XXXX  ). 
On XX/XX/XXXX, I tried to gain access to my account but was startled when I was prompted to choose between unknown phone numbers and emails, I have never associated with nor reflected on my consumer account. Most importantly, ChexSystems failed to identify or notify me of any sudden changes. Meaning, if my phone number and email changed why did I receive any alerts to even ask if I made those changes? Likewise, since my account was in a security freeze no one should have accessed my account without me personally submitting the appropriate documentation to lift the freeze-in order to gain access to it. Considering, To request a temporary lift or permanent removal of the Security Freeze, ( you are required to ) complete a Security Freeze Lift form. These requests can also be made through the Security Freeze Department website or hotline. Id.

Additionally, You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application-or to take another adverse action against you-must tell you and must give you the name, address, and phone number of the agencies that provided the information. Id. 
If The Federal Fair Credit Reporting ( FCRA ) promotes the accuracy, fairness, and privacy information in the files of Consumer Reporting agencies. ( ChexSystems _FCRA P.4 ) Unfortunately, ChexSystems has not only failed to uphold what the FCRA promotes but, undoubtedly, demonstrates they have a system that needs immediate upgrade to protect the privacy and Identity of their consumers, and what is obviously a security breach. 
So, in answering : [ See XXXX ] 1. Whether ChexSystems violated the consumer rights according to FCRA? The answer is yes. 
XXXX. Whether the emails and phone numbers named are associated with and/or belong to account holding named in this complaint? The answer is no. 
Conclusion : ChexSystems failed to uphold the FCRA regulations that govern to protect the rights of the consumer and therefore have violated its terms. According to FCRA, You may seek damages from violators : if a consumer reporting agency or in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. Ibid. ( Also See Supporting Doc. XXXX XXXX XXXXXXXX )

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