Consumer complaint received 2018-07-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ChexSystems  has not provided any new details into their " Investigations '' they allegedly conduct. They have not resolved anything and honestly i have tried to resolve things with them. As a company that violates numerous FCRA laws put in place to protect consumers of identity fraud. They should be investigated. Chexsystems has not provided any documents supporting their " investigations '' they always demand i go to a law enforcement officer and get them to sign my FTC Report. When i went to my local police station, and they stated that the FTC report does not have to be signed. They normally do not sign FTC reports and stated that the FTC reports these to the police and attorneys, and justice system via the Sentenial network system. I told the police officer that ChexSystems violates my rights as a consumer and all laws put in place for consumers. I stated that they do so by adding fraudulent addresses to my chexsystem report, and by continuing to place these inquiries on my report, even AFTER being notified now over 6 times of fraud that has occurred. Chexsystems has not once sent me any mail, any documentation into their fake investigations. I have provided them with my LEGAL FTC DOCUMENT PROVIDING proof of Identity Fraud, i have signed this document. I am now demanding chexsystems block these inquiries i have already notified you that were fraudulent. I have not ever lived at XXXX XXXX XXXX in XXXX, TX i have not ever lived at XXXX XXXX XXXX, XXXX XXXX XXXX At all, These addresses are again fraudulent and linked to these inquiries that's why chexsystems refuses to block them. FCRA places laws in place if you are a victim of identity theft and you have notified the company that you are requesting to block the fraudulent information and have provided them a copy of your FTC Identity theft affidavit they then must block the information. It does not say they can dispute the information, as i notified them of fraud. It does not say they can lie and continue to commit fraud themselves as they are placing the information on there. I wouldn't have a doubt that someone inside chexsystems is actually behind the fraud since they refuse to ever provide any resolution. I will continue to file complaints with every single government organization i can until this fraud is removed from my report. You are dragging my consumer score down because of your fraud. Additionally they stated they verified XXXX XXXX which looks like some kind of company that does inquiries for all of these " Payday loan places '' My Credit scores are over 700, it makes no logical sense that i would have ever i mean EVER applied for any PAYDAY place when i can obtain prime rates. So again your evidence is actually false. I did not authorize any XXXX services to obtain my consumer report. I did not grant XXXX, or " XXXX XXXX '' or XXXX XXXX access to my ChexSystems report. Additionally i did not authorize XXXX XXXX XXXX. In fact they contacted me advising me there was a fraud alert and i told them i never applied for any accounts with them.

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