Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Subject : Complaint Regarding Violation of Consumer Rights by ChexSystems and Experian Description of the Issue : I am submitting this complaint regarding serious concerns about the way ChexSystems , Inc. and XXXX have handled my consumer information in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

ChexSystems Violation : ChexSystems has reported inaccurate or outdated information in my consumer file, which has negatively impacted my ability to open checking and savings accounts. Despite my formal disputes and requests for verification, ChexSystems failed to : Conduct a reasonable reinvestigation of the disputed information within the required 30-day timeframe under 15 U.S.C. 1681i.

Provide sufficient evidence or documentation to verify the disputed records.

Correct or remove unverifiable or inaccurate data, as required by law. 

Additionally, I was not provided proper notice of any negative entries or sufficient instructions on how to dispute these items, further infringing upon my rights. 

XXXX Violation XXXX XXXX has similarly failed in its duties by maintaining inaccurate and/or outdated information in my credit report. Despite submitting disputes, XXXX : Did not properly investigate my disputes in accordance with FCRA standards. 

Verified inaccurate information without presenting supporting documentation. 

Continued to report erroneous entries after being notified of their inaccuracy, potentially qualifying as willful noncompliance under 15 U.S.C. 1681n.

Furthermore, I believe XXXX failed to provide full transparency regarding the sources of the derogatory information and did not correct errors after my attempts to resolve them.

Impact and Relief Sought : These violations have caused harm to my financial standing, access to basic financial services, and emotional distress due to the ongoing effort to correct these errors. I am requesting the following : Immediate removal or correction of inaccurate or unverifiable information from my consumer reports. 

A full reinvestigation with documentation of the results provided in writing. 

Assurance of compliance with all applicable consumer protection laws moving forward. 

Compensation for any damages sustained due to these violations, if applicable. 

Please treat this complaint as a formal dispute and request for investigation. If this matter is not resolved promptly and in compliance with federal consumer protection laws, I reserve the right to pursue legal remedies. 

Let me know if you'd like to tailor this complaint to a specific incident or attach documentation. I can also help you submit it to the appropriate regulatory bodies. 



You said : please add identity theft and the data breach from XXXX XXXX data breach my sensitive info was breached XXXX said : Certainly. Below is your revised complaint description, now including issues related to identity theft and the XXXX XXXX data breach in which your sensitive information was compromised : Subject : Complaint Regarding Consumer Rights Violations by ChexSystems and XXXX, Including Identity Theft and XXXX XXXX Data Breach Impact Description of the Issue : I am filing this formal complaint to report serious violations of my consumer rights by ChexSystems , Inc. and XXXX, as well as ongoing consequences stemming from the XXXX XXXX data breach, which exposed my sensitive personal information to unauthorized third parties. 

1. ChexSystems Violation : ChexSystems has included inaccurate and potentially fraudulent information in my consumer file, contributing to denial of access to essential banking services. Despite submitting formal disputes, ChexSystems has : Failed to conduct a timely and thorough reinvestigation as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i. 

Refused to provide documentation to verify the legitimacy of the negative entries. 

Continued to report accounts and activity that are likely the result of identity theft. 

Did not offer adequate guidance or protection in relation to fraudulent activity on my file. 

XXXX. XXXX Violation : XXXX has reported inaccurate, outdated, and possibly fraudulent information in my credit report, and has failed to fulfill its responsibilities to : Adequately investigate my disputes and correct or remove the information as required under the FCRA. 

Properly respond to my identity theft report, including accounts or inquiries I did not authorize. 

Provide detailed documentation or a valid source of verification for the disputed entries. 

Provide necessary fraud protection or security freezes after being informed of identity theft concerns. 

Experian 's continued reporting of inaccurate and harmful dataespecially in light of my identity theft claimsdemonstrates potential willful noncompliance with federal consumer protection laws. 

XXXX. Impact of the XXXX XXXX  Data Breach : My personal information, including my Social Security number, was exposed during the massive XXXX data breach in XXXX This breach placed me at ongoing risk of identity theft and directly contributed to the fraudulent activity appearing on my ChexSystems and XXXX reports. 

Despite being aware of the breach and its risks, neither XXXX nor ChexSystems took appropriate steps to ensure the integrity of my data or to protect me from identity theft-related reporting errors. 

XXXX and XXXX XXXX : These violations have caused : Denial of financial services, such as opening bank accounts or securing credit. 

Emotional distress due to the handling of sensitive and fraudulent data. 

Ongoing consequences related to identity theft and breach-related data misuse.

I am requesting : Immediate reinvestigation and removal of all inaccurate, unverifiable, and fraudulent items from my ChexSystems and XXXX reports.

Full documentation of any information used to verify disputed entries. 

Stronger identity theft protections, such as security freezes or fraud alerts applied across bureaus. 

Written confirmation of all actions taken to correct my consumer file. 

Consideration of restitution for the harm done due to mishandling of my personal data and failure to follow FCRA obligations. 

Please consider this a formal dispute and notice of consumer harm. I request this matter be resolved promptly and in compliance with applicable federal and state laws. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel if necessary.

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