Consumer complaint received 2023-09-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
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

Complaint:
ChexSystems has been incredibly adversial and deliberate in not acting or performing according to the law. More specifically, FCRA Sections 611 ( 5 ) ( A ) and Section 617. My complaint is basically this. I have been in dispute since XX/XX/2023 without resolve or appropriate remedy. 

The latest communication with ChexSystems on XX/XX/2023. I originally, spoke with XXXX and was unable to get any answers. I asked to be transferred to a supervisor or solutions department. I talked to XXXX first and he refused to allow me to have discovery/verification information so that I could finally put some resolve to this dispute. I was finally transferred to XXXX, Id # : XXXX, supervisor of Consumer Relations Department. I am listing the phone history XXXXXXXX XXXX eastern time. The phone conversation last a duration of XXXX minutes XXXX sec. I was constantly put off, avoided and dismissed. Even with the dialogue with the supervisor they refuse to provide basic information for verification methods information. 

I have suffered, due to these attempts to have this account from XXXX delete according to the law. There has been no verifications fitting to the stated negative, incorrect information. I have not been able to secure accounts as a result of this failure of ChexSystems to perform according to the law. Specifically Section 611 ( 5 ) ( A ), and Section 617. I've asked them to provide verification inform on XXXX Account consistently for months via written communication and verbal. The only thing they did after months of request was to XXXX  out closure date status. This presumption is evidence that either they are intentional non complaint or intentional in ignoring their duty. And that is to comply with the law. 

That has been fraudulently reporting and has damaged my character and reputation for the whole world to see. I have had lost opportunities due to this fraudulent activity reporting. 

I sent a validation letter to the following address for XXXX Bank on XX/XX/2023 via certified mail. And have not received response to date. 

I sent verification letters twice to ChexSystems twice as well via certified letters on XX/XX/2023 via certified mail. 

The extra effort I will have to take for ligation I hope will be unnecessary, if ChexSystems is able to perform according to law and delete this from my credit report in the immediate sense. I am not posturing just looking for protection for my credit history accurately. 

I spoken with my local branch whom I maintain a relationship with. And they have tried to assist. They have provided me with accuracies in the event I have to go to court. 

There are no proof from this Branch of XXXXXXXX XXXX the status is correct, the amounts are correct, the timeline and charge off status are accurate. Nor the comment of abuse and coordinating information. 

I have asked ChexSystems in written and phone conversation for Verification Methods, however, I get passed around and avoided. It is my desire that their response to this complaint to be provided with that information in written form and upon review of the management make action to delete the account reporting accurately by XXXXXXXX XXXX for non-response and lack of proper validation according the FCRA. 

The unverified items below remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentations on file verify to that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified the things and that they are reported correctly. However, you marked it verified without adequate proof and less than validation of items as it relates to what the creditor stated inaccurately. You did however only change one section of this fictious reporting by the creditor even allowing them to piggyback on statements I made in efforts to expose validity of this matter. 

You have NOT provided me a copy of ANY original documentation required under SECTION 609 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature SECTION 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be 100 % verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a ligation consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that the following account be properly validated or deleted in its entirety immediately.

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