Consumer complaint received 2024-01-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Recently, I tried to open up a bank account with XXXX XXXX XXXX. it was initially approved on the internet only to find out that it was ultimately denied after a review that had been conducted by them a week later. About one month after this happened, I requested a copy of my ChexSystems report only to find out that this financial institution had reported me to Chexsystems in a very negative and damaging way and with no reason to do so at all. They had submitted a negative report stating that i had applied for an account and had possibly given them false information when I applied. I was shocked when I read this negative entry on my consumer report and I immediately contacted this financial instituion by phone to find out why on earth would they report such a thing about me and why had nobody tried to reach out to me in any way prior to submitting this harmful information to Chexsystems. I told the lady that I spoke to over the phone that this was completely innacurate information that they are reporting on me and that I never gave them any false information on my application at any time and that all of the information that was given to them was complete and accurate and that there was nothing false about any of it. I offered to send them copies of my Identification and whatever identifying documents that they needed to confirm that my info was not false and that they should delete that erroneous consumer report entry that they had made with Chexsystems immediately as it is damaging my credit, my name, my reputation, and my ability to open an account anywhere while this info is being reported. The lady told me that she would look into this and I would hear back from her within the next couple of days. After about 30 days later, I never heard back from the bank about this issue and was unsuccesful at trying to reach her by phone afterwards. So i filed a dispute with Chexsystems in hopes of them resolving this issue for me. After my dispute was submitted, the information came back as being verified by the bank and nothing was removed from the consumer report. To this day, this negative entry still remains on my Chexsystems report and I have had no luck in getting it removed from my report with them. I even submitted copies of my identification, social security card, a utility bill so that they could match the information on my documents with the information that was used when I had submitted my new account application with XXXX XXXX XXXX for them to see that I had never given them any false information when I had applied for my account, but nothing changed. I don't understand how a bank can just send negative reports to consumer agencies with no merit or proof of what they are reporting to these companies. They just report to them whatever thay feel like reporting and Chexsystems never verifies with them that what they are reporting is indeed an accurate report ; they just accept the reported info and place it in our consumer report for the whole world to see and thus damaging my credit and reputation and my ability to have an account anywhere because of this. They are not being regulated properly because nobody is bothering to verify the things that these financial institutions report. They are just accepted at face value and that is it. How can this erroneous information still remain in my consumer report with Chexsytems after I had disputed it and sent them proof that I am who I say I was and that I never gave this bank any false information whatsoever and at any time? Again, who is regulating these companies because clearly they are not being overseen because of instances like this? This is unnaceptable behavior on both of these companies and I demand that this negative credit entry be removed immediately and an apology be given from both of these companies for continuing to keep this erroneous information on my report which has caused me much harm while being there. Also, I want XXXX XXXX XXXX to reopen the account they closed for me because of how they have damaged my name and my ability to gain any type of account with anybody else because of this false reporting on their end.

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