Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4390543
Complaint Overview
Complaint ID: 4390543
Company: Fidelity National Information Services, INC. (Fnis)
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Virginia
ZIP Code: 23225
Date Received: 2021-05-19T12:00:00-05:00
Date Sent to Company: 2021-05-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
on XX/XX/XXXX I sent a dispute letter to chexsystems advising them that they were in violation of the FCRA and FDPCA. they responded back to me that the information was verified and accurate which impossible, I then wrote ( dispute letter XXXX back to them again XX/XX/XXXX stating the same fact and they still replied with the above response. Fact, Fair Credit Reporting Act is federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies. Fact, proof as seen in attachment labeled EXHIBIT A. That ChexSystems is in violation of 15 USC 1681b ( a ) ( 2 ). Permissible purpose. I never provided ChexSystems with written consent to report anything on my consumer report/file. When there is no consent that is identity theft. Fact, proof per attachment labeled Exhibit A, that ChexSystems is in violation of 15 usc 1681a ( 2 ) ( i ), as myself the original creditor defined by congress only, I can validate a debt and I do not validate this debt. Fact, proof in attachment labeled Exhibit A, that ChexSystems is in violation of 15 usc 1681a ( 2 ) ( b ) which the law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. ChexSystems stated they verified this item, but that makes no sense as I am the original creditor in which I am unable to extend credit to myself. Fact, the FCRA states that civil liability for willful noncompliance, per 15 usc 1681n ( a ) ( 2 ) ( i ). Well XXXX violated the federally protected consumer rights. That is the amount of {$3000.00} that I am due
Frequently Asked Questions
What is Complaint #4390543 about?
Complaint #4390543 was filed against Fidelity National Information Services, INC. (Fnis) regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2021-05-19T12:00:00-05:00.
How did Fidelity National Information Services, INC. (Fnis) respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Fidelity National Information Services, INC. (Fnis)?
Yes, visit the Fidelity National Information Services, INC. (Fnis) company profile at readthecomplaint.com/company/fidelity-national-information-services-inc-fnis to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.