Consumer complaint received 2023-05-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE
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:
Dear ChexSystems, and CFPB THIS IS NOT A DUPLICATE REQUEST I am writing to dispute the accuracy of information that XXXX XXXX Bank has reported to your company and which is included in my consumer disclosure report. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( e ), I have the right to dispute inaccurate information with consumer reporting agencies like ChexSystems. 

As you may already know, 15 USC 1681a ( e ) defines a " consumer reporting agency '' as any person or entity that regularly engages in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. The FCRA requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in their reports. 

I understand that ChexSystems is a nationwide specialty consumer reporting agency that provides services to financial institutions and other businesses with a permissible purpose under the FCRA. ChexSystems ' services primarily assist its clients in assessing the risk of opening new accounts. When providing this service, ChexSystems is required to abide by the requirements of the FCRA and any applicable state statutes. 

In my case, I believe that XXXX XXXX Bank has reported inaccurate information to ChexSystems, and I request that you initiate a reinvestigation of this information. I understand that when a consumer disputes information with a consumer reporting agency under the FCRA, the agency must place the information in dispute and notify the furnisher of the information. The furnisher must then investigate the disputed information and report back to the consumer reporting agency with its findings. 

I am also aware that under the FCRA, consumer reporting agencies must provide consumers with a copy of their consumer report and a summary of their rights under the FCRA. This includes the right to dispute inaccurate information, the right to a reinvestigation of disputed information, and the right to add a statement to their consumer report explaining their side of the story. 

I am requesting that ChexSystems reinvestigate the accuracy of the information reported by XXXX XXXX Bank and that you provide me with a written report of your findings. If you determine that the information is inaccurate, I request that you remove it from my consumer report. If you determine that the information is accurate, I request that you provide me with the contact information for XXXX XXXX Bank so that I can address the issue with them directly. AS I'VE TRIED TO CALL, EMAIL AND SEND LETTERS BUT NO ONE FROM XXXX XXXX HAVE RESPONDED TO MY REQUEST TO VALIDATE THIS ALLEDGE DEBT. 

Thank you for your attention to this matter. 

Sincerely, 1. Date of Closure : XX/XX/20XXXX XXXX  # : XXXX / XXXX Original Charge Off Amount : {$590.00} Closure Status : UNPAID Closure Status Date : XX/XX/2019 XXXX. Date of Closure : XX/XX/2XXXX XXXX  # : XXXX / XXXX Original Charge Off Amount : {$630.00} Closure Status : UNPAID

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