Consumer complaint received 2023-07-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Subject : Dispute Regarding XXXX XXXX XXXX Account in Chex Systems Account error in Chex Systems Consumer Relations, I am writing to dispute the inaccurate and misleading information listed on my Chex Systems report regarding my XXXX XXXX XXXXXXXX account. Upon reviewing my consumer report, I discovered discrepancies that require immediate attention and correction. 

Account Information : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/2021 Current Status : XX/XX/2021 Disputed Information : Address Inaccurate Explanation of Dispute : XXXX. Inaccurate Reporting : My Chex Systems report incorrectly states that my XXXX XXXX XXXX  account is closed. However, I have confirmed with XXXX XXXX XXXX  that the account is still active and in good standing. I regularly use this account for my personal banking needs without any issues. There has been an error in reporting, leading to false and detrimental information associated with my account. 

XXXX. Timely Payment History : Contrary to my Chex Systems report, I have diligently maintained a positive payment history with XXXX XXXX XXXXXXXX. I have never had any overdrafts, returned checks, or any negative incidents that would warrant such derogatory information on my consumer report. This inaccurate reporting undermines my creditworthiness and financial reputation, potentially affecting my ability to secure future banking services. 

XXXX. Lack of Communication : I have not received any correspondence from Chex Systems regarding the inclusion of this misleading information on my consumer report. As a consumer, I am entitled to receive timely and accurate notifications regarding any negative reporting or changes made to my financial records. The lack of communication has further exacerbated the negative consequences I have experienced as a result of the inaccuracies on my Chex Systems report.

Resolution Requested : I kindly request that you take immediate action to rectify the errors on my Chex Systems report. I request the following actions be taken : 1. Verification and Correction : Please verify the accuracy of the information related to my XXXX XXXX XXXX  account and promptly correct any inaccuracies on my Chex Systems report. It is crucial that my report accurately reflects my account status, payment history, and overall financial responsibility. 

XXXX. Communication : Ensure that I am promptly notified of any changes made to my Chex Systems report. I should receive regular updates regarding the status of my dispute, including the steps taken to investigate and resolve the issue. 

XXXX. Removal of Negative Remarks : I request the immediate removal of any derogatory information or negative remarks associated with my XXXX XXXX XXXXXXXX account from my Chex Systems report. These inaccuracies have caused unwarranted harm to my reputation and financial standing, and their removal is necessary for fair and accurate reporting. 

Enclosed with this letter, please find copies of relevant documents supporting my dispute, including bank statements and correspondence with XXXX XXXX XXXX confirming the active status of my account. I trust that you will conduct a thorough investigation into this matter and provide a swift resolution. 

I appreciate your prompt attention to this dispute and look forward to receiving written confirmation of the actions taken to address this issue within the legally mandated time frame of 30 days. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

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