Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
XXXX XXXX XXXX Date of Birth : XX/XX/year> SSN ( last 4 ) : XXXX Current Address : XXXX XXXX XXXX, XXXX, LA XXXX Phone : XXXX Email : XXXX Consumer ID ( ChexSystems ) : XXXX ChexSystems, Inc. 
Attn : Consumer Relations XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Dispute of Inaccurate Information FCRA Violations Dear ChexSystems Consumer Relations, I am writing to formally dispute inaccurate information contained in my consumer file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to notify you of multiple violations of federal law in your reporting practices.

FCRA VIOLATIONS IDENTIFIED : 1. Maximum Accuracy Standard Violations ( 15 U.S.C. 1681e ( b ) ) Your report contains multiple inaccurate personal identifying information fields that violate your duty to maintain maximum possible accuracy.

2. Metro 2 Compliance Violations The Consumer Data Industry Association ( CDIA ) Metro 2 format requires accurate consumer identification data. Your report contains systematic Metro 2 formatting violations in the Consumer Information Segment.

SPECIFIC INACCURACIES REQUIRING IMMEDIATE CORRECTION : Incorrect Address Demand Removal Inaccurate : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Violation : This address has never been associated with me and violates Metro 2 address reporting standards. 
Action Required : Remove this incorrect address immediately. 

Incorrect Phone Number Demand Removal Inaccurate : XXXX Violation : This phone number is not mine and violates FCRA accuracy requirements. 
Action Required : Remove this incorrect phone number immediately. 

Incorrect Email Addresses Demand Removal Inaccurate : XXXX XXXX Violation : Neither email address belongs to me, violating consumer identification accuracy standards. 
Action Required : Remove both incorrect email addresses immediately. 

Accurate Information to Maintain : Correct Address : XXXX XXXX XXXX, XXXX, LA XXXX Correct Phone : XXXX Correct Email : XXXX LEGAL DEMANDS UNDER FCRA : Investigation Requirements ( 15 U.S.C. 1681i ) : 1. Conduct reasonable investigation within 30 days.

2. Forward this dispute to all original furnishers of the inaccurate information.

3. Provide Method of Verification ( MOV ) for any information you claim is accurate.

4. Remove or correct all inaccurate information. 

Metro 2 Compliance Demands : 1. Provide original Metro 2 transmission records showing source of inaccurate data.

2. Demonstrate compliance with CDIA Metro 2 formatting standards.

3. Verify all Consumer Information Segment fields meet accuracy requirements.

4. Correct any Metro 2 formatting violations.

Furnisher Accountability ( 15 U.S.C. 1681s-2 ) : 1. Investigate with all furnishers who reported inaccurate personal information.

2. Require furnishers to provide documentation supporting accuracy claims.

3. Remove information from any furnisher unable to verify accuracy.

NOTICE OF POTENTIAL DAMAGES : Your maintenance of inaccurate personal identifying information : Violates my privacy rights under FCRA.

May prevent proper consumer notifications. 
Could lead to identity confusion or fraud. 
Demonstrates systemic data quality failures. 

Willful or negligent non-compliance with FCRA investigation requirements may result in : Actual damages for any harm caused. 
Statutory damages up to {$1000.00} per violation. 
Punitive damages for willful violations. 
Attorneys fees and costs ( 15 U.S.C. 1681n & 1681o ).

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