To Whom It May Concern : REF : Violation of the FCRAI have received denial notice 's from different business informing me of their decision was based in whole or in part on information obtained from Certegy Check Services , Inc. XXXX. XXXX XXXX, XXXX, FL XXXX toll free at XXXX Who provides authentication and risk management services to merchants and businesses nationwide '' .I have sent a previous letter to Certegy, by mail, and spoken to customer service representatives over the phone requesting that I would like to file a dispute on the information that they have on file and Certegy have XXXX to do so more then year. According, to Certegy employee XXXX ( Floor Leader ) have given me inaccurate, misleading information different from other Certegy employee XXXX ( Floor Leader ), XXXX, and Al who both are customer service representative, stated to me that Certegy did not do a investigation of my dispute, when I made demand for one, and offer to do a investigation now after more then a year went by. XXXX ( Floor Leader ) informed me that there was a investigation done on XXXX XXXX 2014 and respond from, the ( XXXX ) to denies my claim on XXXX XXXX, 2014 that I did not complain about the product they gave me was misleading and I did n't wanted the product and they can not confirmed any calls, and conversations. XXXX ( Floor Leader ) demand that I pay the debt and debate against me of filing a complaint against ( XXXX ) to return the money back to Certegy, and repeatedly apologize for the others employees given misleading information on my account. Certegy, who did not notify me of ( XXXX ) respond and violated the Fair Credit Reporting Act by ignoring my requests to investigate the items according to XXXX others employee. My previous letter and phone calls -- all stated my reasons for an investigation and these reasons were not frivolous in any way. If I have to, I will file a civil suit in for damages. I take my credit very seriously and their lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I also ask that there be investigation and that CFPB monitor this company practices. 

I anticipate your response.