Consumer complaint received 2017-07-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I show a " Reported Information '' issue from " XXXX XXXX XXXX Missouri '' on my " CHEXSYSTEMS  CONSUMER REPORT ''. However, I have some MAJOR issues with this reported information from XXXX  XXXX XXXX and also ChexSystems as # 1 It states I have a license number ( which I have NEVER been issued ) and # 2 shows a license state of " CO '', which is a state I have NEVER stepped foot within, throughout my entire life. So unsure if this is fraudulent possibly or someone attempting to use my info to do some ill mannered action, as there are also some fraud issues with " Inquiries Initiated By Consumer Actions '' ( which I will address in a separate dispute ) Lastly I did have an account at one time with XXXX XXXX XXXX several years ago, BUT CLOSED ACCOUNTS A WHILE BEFORE THEIR " Charge status date ''. Also, when I closed my account ( s ) it was 100 % done so with a {$0.00} amount in any and ALL accounts, and furthermore it had no pending transactions of any sort as well, so nothing could have brought up this issue and the unbeknownst to me oddly reported " {$430.00} '' charge off amount. There was an incident ( unrelated to the best of my knowledge ) which occurred a few months before I closed my account, in which the following factually took place : Myself and my Father XXXX XXXX ( XXXX ) XXXX ( phone ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( address ) went into the XXXX location located at : XXXXXXXX XXXX XXXX XXXX, CA XXXX to bring in a check which was mailed to me, and showed this as their home bank on the check itself. The check we wanted to make sure was legitimate, as it was from a potential buyer here locally interested in purchasing an item we had advertised online. Therefore we went into this branch location and made known that we wanted to absolutely ensure this check and the person writing it out to me, did so with their own valid account ; which was open, had the funds available, and also was all legitimate. The check itself was for approximately just over {$900.00} dollars. WE DID NOT DEPOSIT IT, NOR ATTEMPT TO CASH IT, ETC ... The bank teller went and got her bank manager per our request and they looked into it. Unfortunately the check mailed and given to me was in fact from an inaccurate and flagged account, and so they thanked us for bringing it in and allowing them to look into this probably fraudulent matter from the online individual which tried to give me the check as payment for my advertised item. The bank manager then asked for my contact info if needed and I gave it to her, she then wrote void on back of that check and then myself and father walked out of their bank. My father whom is retired and has decades of long time outstanding credit, with a credit score of over XXXX for over 20 years can and will attest under oath even to this entire account, which is the ONLY POSSIBLE even slightly remote and unusual banking transaction I have EVER interacted or engaged within, while at or including a XXXX XXXX XXXX. Even then nothing like this would have ended up producing this purported " charge off amount of {$430.00} ''. I would like and please demand that this unknown, and oblivious to me the consumer ( as it was NOT from my doing ) amount immediately be rectified, as again this transaction cites fraudulent and WRONG/INCORRECT DL # and STATE INFO, ( attached is my REAL license which has always been the same for the last at least 10 years ) CITES INACCURATE INFORMATION EVEN FURTHER WITH ALLEGATIONS OF A CHARGE OFF AMOUNT WHEN ACCOUNT WAS CLOSED IN GOOD STANDINGS WITH A XXXX BALANCE IN ALL ACCOUNTS, AND THIS HAS BEEN CAUSING ME MANY ISSUES OPENING OR INQUIRING ABOUT ANY NEW ACCOUNTS ANYWHERE!! Thanks

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