I have been around Fjords for years, since I live in Norway they are pretty common here. I hate to be a party pooper Gidget but I can almost garantee that your pony is not a pure bred Fjord. The dun color is off, the neck is too skimpy...even if it were malnurished the neck should still have it's characteristic (?) curve. You can cross breed a Fjord with pretty much anything and it will still be dun because the genes are so dominant.
Serious/professional breeders of fjords get them registered at are usually chipped. Here in Norway all horses have to be chipped and registered, don't know how it works in America.
Other then that Fjords are great pony's! They are very loyal, and make fantastic allrounders :) Some can be a bit heavy to ride, but I think that comes alot from the owners and breeders. The horse is how you make it to be. When I got my second fjord he didnt know anything, to get him to trot was out of the question, 2 years later and he's doing gallop changes, versade, travers and lots of other fancy dressage moves, and is a great eventing pony. I sold him last year unnfortunatly. I have a knee injury and when it gets better I might be borrowing this horse for a while.