Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX ChexSystems, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Formal Dispute of Inaccurate XXXX Unverified Accounts XXXX Inquiries Demand for Immediate Removal XXXX Whom It XXXX Concern : This letter serves as my formal dispute under the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ) regarding inaccurate XXXX unverified information listed in my consumer report with ChexSystems. After reviewing my file, I have identified the following accounts and inquiries that are either inaccurate, not verifiable, or lack permissible purpose. Therefore, I am requesting immediate deletion of these items. 

Disputed Accounts : XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Reported Date : XX/XX/XXXX XXXX/Account Number : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX Date : XX/XX/XXXX XXXX/Account Number : XXXX / XXXX XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Reported Date : XX/XX/XXXX XXXX/Account Number : XXXX / XXXX XXXX XXXX  XXXX XXXX XXXX P.O. XXXX XXXX, XXXX, OH XXXX Reported Dates : XX/XX/XXXX, XX/XX/XXXX RTN/Account Numbers : XXXX / XXXX Disputed Inquiries : United States XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Pennsylvania State XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Illinois XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( on behalf of XXXX XXXX ) XX/XX/XXXX XXXX XXXX, a part of XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As required by XXXX U.S.C. XXXX, ChexSystems must conduct a reinvestigation into these disputed entries. If any account or inquiry can not be 100 % verified with original documentation, not internal notes or third-party records, it must be removed. Additionally, continued reporting of unverifiable or inaccurate information is a violation of the FCRA XXXX relevant case law ( XXXX v. XXXX, XXXX XXXX XXXX ), XXXX may constitute negligent or willful noncompliance under XXXX and XXXX. 

I hereby request : XXXX removal of the above-listed accounts XXXX inquiries that can not be verified through proper documentation. 

A full reinvestigation in accordance with federal law. 

A written response within 30 days per the FCRA, including confirmation of deletions. 

If ChexSystems fails XXXX comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal remedies as necessary. 

Thank you for your immediate attention. 

Sincerely, XXXX XXXX

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