Consumer complaint received 2025-11-21 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:
Complainant Information Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX, XXXX, PA XXXX Your Date of Birth : XX/XX/XXXX Your Email : XXXX Your Phone Number : XXXX Full Social Security Number : [ XXXX ] ChexSystems XXXX ID : XXXX Company You Are Complaining About Company Name : Chex Systems , Inc . 
Company Address : Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Your Complaint Issue : Incorrect information on your report Sub-issue : Information is inaccurate What happened? 

I have obtained XXXX reports from ChexSystems, both dated XX/XX/XXXX, for XXXX ID XXXX. I am attaching both reports to this complaint as evidence. 

Report XXXX ( Consumer Score Disclosure Report ) states my score is XXXX. It explicitly lists the " Factors That Affected Score '' as : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' ( Reason Code : XXXX ) " XXXX XXXX XXXX XXXX XXXX  '' ( Reason Code : XXXX  ) Report XXXX ( Consumer Disclosure Report ) lists in detail what this " XXXX XXXX XXXX  '' is. It shows the following XXXX ( XXXX ) inquiries. These are just some of the XXXX ( XXXX ) unauthorized inquiries I am disputing. I did not authorize these, nor did I apply for any account or service with these institutions. 

These unauthorized and inaccurate inquiries listed on my report include : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX  ; XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX  XXXX XXXX  XXXX ; XXXX XXXX XXXX, XXXX, PA XXXX Phone : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX  ; XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, RI XXXX Phone : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX, XXXX  ; XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : XXXX Inquiry Date : XX/XX/XXXX ChexSystems has admitted in writing ( via my score report ) that this " inquiry activity '' is the primary reason for my low score of XXXX. Since these inquiries are not mine, they are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate consumer file. ChexSystems is knowingly using inaccurate information to damage my consumer score. 

Furthermore, my report states for each of these inquiries that " Public record information on file at XXXX XXXX XXXX XXXX  was utilized for this inquiry. '' This suggests the information may be inaccurate at its source, and ChexSystems has failed to ensure the maximum possible accuracy of its reporting. 


What would be a fair resolution? 

I demand that the CFPB intervene to ensure ChexSystems fulfills its regulatory obligations. I seek the following resolution : ChexSystems must immediately DELETE and permanently remove all XXXX ( XXXX ) listed inquiries from my consumer file. 

Following these deletions, I demand that ChexSystems recalculate my consumer score ( currently XXXX ) to accurately reflect a report free of this inaccurate information. 

ChexSystems must provide me with a corrected copy of my consumer report showing these deletions. 

If any of these disputes are denied or the information is not completely deleted and removed off my report, I demand that ChexSystems open a second investigation and assign a new, unbiased case investigator. 

Please use your authority to compel ChexSystems to adhere to the FCRA and resolve this matter swiftly.

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