Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Against ChexSystems, XXXX, and XXXX  for FCRA Violations To Whom It May Concern : I am writing to file a formal complaint and initiate a dispute regarding the actions of ChexSystems, XXXX, and XXXX, whom I believe have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by reporting inaccurate and/or unverifiable information and failing to comply with reasonable procedures to ensure maximum possible accuracy. 

Background : Upon reviewing my consumer disclosure reports from the aforementioned consumer reporting agencies, I have identified multiple items that are : Inaccurate Outdated Unverifiable Or reported without proper notification or permissible purpose. 

Despite submitting written disputes directly to ChexSystems, XXXX, and XXXX as permitted under FCRA 611 ( 15 U.S.C. 1681i ), these agencies have either failed to properly investigate, failed to delete unverifiable information within 30 days, or continued to report information that was not validated. 

Specific Violations Include : 1. Failure to Maintain Maximum Accuracy As per FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), they failed to follow reasonable procedures to assure maximum possible accuracy of the information.

2. Failure to Reinvestigate Under FCRA 611 ( a ), they did not adequately investigate or respond to my disputes within the 30-day time frame.

3. Reporting of Outdated Information Some items appear to be beyond the allowable reporting periods under FCRA 605 ( a ).

4. Failure to Provide Notice of Reinvestigation Results They have not provided written notice of the results of their reinvestigation, including the method of verification or the source of the data.

5. Lack of Permissible Purpose If any entity accessed or used my consumer report without my consent or a valid reason under FCRA 604, this constitutes a violation. 

Desired Resolution : I respectfully request the CFPB to : Investigate these agencies failure to comply with the FCRA. 
Ensure that the disputed information is either verified with proper documentation or permanently deleted. 
Impose penalties or sanctions if applicable. 
Require them to provide me with updated, corrected consumer disclosures. 

I am attaching copies of my prior dispute letters, proof of identity, and any relevant correspondence I have had with these agencies. I would appreciate the CFPBs assistance in holding these companies accountable for their non-compliance and protecting my consumer rights. 

Thank you for your attention to this matter. 

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