Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
ChexSystems Consumer ID : XXXX To : Chex Systems , Inc . 
Attn : Consumer Relations XXXX. XXXX XXXX XXXX, MN XXXX RE : FORMAL DISPUTE UNAUTHORIZED INQUIRIES AND INACCURATE ACCOUNT REPORTING UNDER THE FAIR CREDIT REPORTING ACT To Whom It May Concern : I am formally disputing several entries appearing on my ChexSystems consumer report dated XX/XX/XXXX, including : XXXX. All unauthorized inquiries XXXX. An inaccurately reported account closure furnished by XXXX XXXX  I am asserting my rights under the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ), including but not limited to : 1681b Permissible Purpose 1681e ( b ) Maximum Possible Accuracy 1681i Reinvestigation Requirements 1681s-2 ( a ) Duties of Furnishers to Provide Accurate Information 1681s-2 ( b ) Duties After a Dispute I am requesting a full reinvestigation and deletion of all unverified, inaccurate, incomplete, or unauthorized information.

1. DISPUTE OF ACCOUNT CLOSURE XXXXXXXX XXXX The following account is being reported inaccurately and incompletely : XXXX XXXX  XXXX : XXXX / XXXX Reported Closure : XX/XX/XXXX Charge-Off Amount : {$160.00} Status : UNPAID This information is disputed for the following reasons : Unverified You have not provided validation from the furnisher. 

Incomplete No records, documentation, or proof of the debt or amount have been supplied. 

Inaccurate Your own report reflects that I have already disputed this item, yet it remains unchanged. 
My file displays : This report is disputed by the consumer ( s ). 

Required Action : Under 1681i ( a ), if XXXX XXXX  can not fully verify this account with proper documentation, it must be deleted immediately. 



XXXX. DISPUTE OF ALL UNAUTHORIZED INQUIRIES ( NO PERMISSIBLE PURPOSE ) My ChexSystems report contains numerous inquiries that were not authorized by me and were not made in connection with any application I submitted.

Under 1681b ( f ) and 1681e ( a ), ChexSystems must ensure inquiries are only made for a legally permissible purpose.

I did not grant authorizationwritten, verbal, or electronicto any of the companies listed below. Therefore, all of the following inquiries must be investigated and removed unless you can produce documented proof of my signed authorization : FULL LIST OF DISPUTED INQUIRIES ( FROM REPORT ) Inquiries Viewed By Others : Credit Unions, Banks, and Lenders XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/ XXXX  ( On Behalf Of ) : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX  ( On Behalf Of ) : XXXX  XXXX XX/XX/XXXX 3. REQUIRED ACTION UNDER THE FAIR CREDIT REPORTING ACT I am invoking my rights under the FCRA and requesting the following : 1 Delete all inquiries where no signed authorization exists If a furnisher can not produce my signature, the inquiry must be removed under : 1681b ( f ) Prohibits unauthorized access 1681i Unverifiable items must be deleted 2 Fully reinvestigate the XXXX XXXX  account Provide validation or remove the account entirely. 

3 Provide an updated ChexSystems report Reflecting all deletions and corrections.

4 Send written results of your reinvestigation As required by 1681i ( a ) ( 6 ).

4. PROOF OF IDENTITY INCLUDED ( I will include photocopies of identification as required. )

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