Consumer complaint received 2025-10-06 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: GA

Complaint narrative:
CFPB Complaint Credit Reporting / Identity Theft / Furnisher Reporting Consumer : [ Full Legal Name ], [ Current Address ], [ City, State ZIP ] DOB ( YYYY ) : [ YYYY ] Last 4 SSN : [ XXXX ] Primary Phone/Email : [ ]/ [ ] Companies Involved : Credit Reporting Agencies ( CRAs ) : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishers ( examples named in the reports ) : XXXX Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX. ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX Bank XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ( incl. XXXX XXXX XXXX ) ; XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Bank ; XXXX XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX 

Complaint Categories ( select in CFPB form ) : Credit reporting Incorrect information on your report Credit reporting Problem with a credit reporting companys investigation Identity theft or fraud Attempt to fix identity theft problem Improper use of credit report Hard inquiries you did not authorize 1 ) Summary of the Problem ( What happened ) In XX/XX/XXXX, multiple disputed tradelines were deleted by the CRAs. They were later reinserted without required furnisher recertification and 5-day written notice. This violates FCRA 611 ( a ) ( 5 ) ( B ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

The files contain material cross-bureau inconsistencies ( status, dates, limits/high credit, past-due, payment strings ) that lower scores and fail the maximum possible accuracy standard ( 607 ( b ) / 1681e ( b ) ) and reinvestigation duties ( 611 / 1681i ). 

Multiple accounts show contradictory late-payment histories, charge-off vs. collection misclassifications, and {$0.00} limits on revolving lines, which skews utilization and scoring. 

Personal information is inaccurate/incomplete ( name/address variants, outdated identifiers ), despite prior requests to correctviolations of 607 ( b ) and 611.

Hard inquiries appear that were not authorized and lack proof of permissible purpose ( 604 ).

An FTC Identity Theft Report and police report have been provided previously ; CRAs did not block identity-theft items as required by 605B.

2 ) Timeline ( Key dates ) Prior disputes submitted with ID, proof of address, highlighted pages, and identity-theft documentation. 

XX/XX/XXXX : CRAs deleted multiple disputed items. 

After XX/XX/XXXX : The same items were reinserted but no 5-day reinsertion notice was sent and no furnisher recertification was provided. 

XXXX XXXX credit reports show ongoing status/field conflicts, late-code mismatches, and unauthorized inquiries remaining. 

3 ) Specific Examples ( Illustrative, not exhaustive ) A ) Cross-Bureau Inconsistencies ( Accuracy & Reinvestigation ) XXXX Bank XXXX ( Credit Card ) Partial acct XXXX Status : XXXX = Open/Current vs XXXX  = Paid/Current Date Opened : XXXX XX/XX/XXXX vs XXXX XXXXXX/XX/XXXX High Credit/Credit Limit : inconsistent or suppressed at XXXX Last Reported : XXXX XX/XX/XXXX vs XXXX XX/XX/XXXX XXXX ( Charge-off ) Partial acct XXXX High Credit/Credit Limit : XXXX  shows {$0.00} while XXXX show real amounts Last Reported XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX ( Charge-off ) Partial acct XXXX High Credit : XXXX {$9800.00} vs XXXX {$7000.00} ; Credit Limit {$0.00} on revolving line Narratives differ ( profit & loss write-off vs charge-off ) XXXX ( multiple accounts, XXXX XXXX XXXX, XXXX, XXXX, XXXX ) Late severity codes differ ( XXXX XXXX, EXP XXXX, XXXX XXXX ) for the same months Classification differs ( XXXX Collection vs XXXX  Charge-off ) XXXX XXXX XXXX  ( two COs, e.g., XXXX, XXXX ) XXXX  shows a continuous XXXX ramp XXXX  intermixes OK with late codes in overlapping months XXXX  sometimes shows Credit Limit = {$0.00} while XXXX  show real limits B ) Late-Payment / Status Reporting Defects OK months appear alongside Charge-off/Collection narratives for the same periods XXXX XXXX XXXX 

Gaps in monthly payment strings ; mismatched late codes across bureaus for the same month. 

{$0.00} limits on historic revolving accounts inflate utilization and score impact. 

Collection vs. Charge-off misclassification ( e.g., XXXX at XXXX ). 

C ) Improper Reinsertion ( Deleted in XX/XX/XXXX Reinserted without notice ) All previously deleted derogatory accounts were reinserted without : furnisher certification of accuracy, and 5-day written notice identifying the item and furnisher contact info. 
Violates 611 ( a ) ( 5 ) ( B ). 

D ) Personal Information Errors ( Identity Theft / Mixed File ) Continued reporting of old/wrong addresses, name variations, or employment entries not belonging to me, despite prior written requests to restrict to current, correct identifiers only ( Metro 2 Code 112 ).

E ) Unauthorized Hard Inquiries ( Permissible Purpose ) Examples appearing on recent files ( non-exhaustive ) : XXXX XXXX ( XX/XX/XXXX, XXXX  ) ; XXXX BANK ( XX/XX/XXXX, XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX & XXXX ; XX/XX/XXXX, XXXX  ) ; XXXX  ( XX/XX/XXXX, XXXX  ). 

I did not authorize these and request deletion or conversion to soft unless the CRA and furnisher produce signed authorization or valid e-signature with IP/device logs and 604 permissible purpose.

4 ) Laws/Standards Implicated 607 ( b ) ( Accuracy ) maximum possible accuracy not maintained.

611 / 1681i ( Reinvestigation ) incomplete reinvestigation ; missing Method of Verification ( MOV ).

611 ( a ) ( 5 ) ( B ) Improper reinsertion without furnisher recertification and 5-day written notice.

604 failures to demonstrate permissible purpose for hard inquiries.

605B failure to block identity-theft items after receiving FTC/Police reports .

Metro 2 field logic conflicts ( e.g., Codes 112, 121, 162, 202 ).

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