Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9684328
Credit Report Error Unresolved After Investigation
Complaint Overview
Complaint ID: 9684328
Company: Fidelity National Information Services, INC. (Fnis)
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Virginia
ZIP Code: 23237
Date Received: 2024-07-31T12:00:00-05:00
Date Sent to Company: 2024-07-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Risk Assessment
Risk Level: medium
The company's failure to correct an error on a credit report after an investigation suggests potential non-compliance with fair credit reporting regulations, which could lead to further consumer harm and regulatory scrutiny.
Consumer Sentiment: negative
Topics: Credit reporting, Errors on credit reports, Investigation disputes
AI Analysis
CFPB complaint 9684328 was filed against Fidelity National Information Services, Inc. (FNIS) regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Problem with a company's investigation into an existing problem". A consumer reported an error on their credit report to Fidelity National Information Services, Inc. (FNIS), but the company's investigation did not resolve the issue. The complaint was received on July 31, 2024 from Virginia. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should keep detailed records of all communications and documentation related to the error and the investigation, and consider escalating the complaint to the CFPB or a consumer protection attorney if the issue persists.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers to conduct reasonable investigations into disputed credit information.
Regulatory Insight
This case highlights the importance of timely and accurate investigations by credit reporting agencies and furnishers to maintain consumer trust and comply with FCRA.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Virginia, and state-specific consumer protection laws may also apply.
Industry Comparison
This issue is common within the credit reporting industry, where disputes over accuracy and the effectiveness of investigations are frequent.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9684328 about?
CFPB complaint 9684328 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Problem with a company's investigation into an existing problem", specifically "Their investigation did not fix an error on your report". This complaint was filed against Fidelity National Information Services, Inc. (FNIS) on July 31, 2024.
Which company is complaint 9684328 filed against?
Complaint 9684328 was filed against Fidelity National Information Services, Inc. (FNIS). You can view all complaints against this company on their profile page at /company/fidelity-national-information-services-inc-fnis.
What was the company's response to complaint 9684328?
Fidelity National Information Services, Inc. (FNIS) responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 9684328 filed?
Complaint 9684328 was received by the CFPB on July 31, 2024. It was sent to Fidelity National Information Services, Inc. (FNIS) on July 31, 2024.
What state was complaint 9684328 filed from?
Complaint 9684328 was filed from Virginia. You can view all complaints from this state at /state/VA.
Was the consumer satisfied with the resolution of complaint 9684328?
Dispute information is not available for complaint 9684328.
What product category is complaint 9684328 about?
Complaint 9684328 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 9684328 submitted?
Complaint 9684328 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 9684328?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers to conduct reasonable investigations into disputed credit information. This relates to a Credit reporting or other personal consumer reports complaint against Fidelity National Information Services, Inc. (FNIS) involving "Problem with a company's investigation into an existing problem".
How likely is complaint 9684328 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 9684328?
This complaint is rated as medium risk. The company's failure to correct an error on a credit report after an investigation suggests potential non-compliance with fair credit reporting regulations, which could lead to further consumer harm and regulatory scrutiny.
What regulatory actions apply to complaint 9684328?
This case highlights the importance of timely and accurate investigations by credit reporting agencies and furnishers to maintain consumer trust and comply with FCRA. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 9684328?
Consumers should keep detailed records of all communications and documentation related to the error and the investigation, and consider escalating the complaint to the CFPB or a consumer protection attorney if the issue persists.
Are there state-specific protections for complaint 9684328?
The complaint originated in Virginia, and state-specific consumer protection laws may also apply. This complaint was filed from Virginia.
How does complaint 9684328 compare to industry norms?
This issue is common within the credit reporting industry, where disputes over accuracy and the effectiveness of investigations are frequent.
What are the consumer's rights if a credit reporting agency fails to correct an error after an investigation?
Consumers have the right to dispute the information again, request that the credit reporting agency include their statement of dispute in future reports, and file a complaint with the CFPB or take legal action.
What steps can a consumer take if they believe a credit reporting agency's investigation was inadequate?
The consumer can resubmit their dispute with additional evidence, request a review by a supervisor, and consider filing a formal complaint with the CFPB or a consumer protection attorney.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.