Consumer complaint received 2018-07-05
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Chexsystems continues to violate all of the FCRA laws in place to protect consumers and victims of identity theft. Not only did Chexsystems advise they wouldnt assist me with the inquiries they let go through WITH A SECURITY FREEZE ON MY REPORTS. Additionally these inquiries are duplicated and triple sometimes even quadruple. I did not authorize these nor did I apply for any bank accounts.The FTC is a Government Agency setup to assist consumers and protect their rights. As a victim of identity theft and by the FCRA laws, and also according to your website. If I provide you notice of Identity theft, also provide you a document declaring Identity theft, I have a legal right to ask the consumer agency to block this information. Additionally you stated XXXX XXXX inquiry in XX/XX/2017 was authorized, however I havent applied for any account or service with them in XX/XX/2017 at all. Therefore that is false and you continually put fraudulent information on my reports abusing me as a consumer. Additionally ChexSystems continually violates all of the FCRA laws in place to protect consumers. Each Violation is subject to a {$1000.00} fee in court, considering ChexSystems has allowed over 40+ Inquiries on my ChexSystems reports, and refuses to block the information, even after providing a Law Enforcement FTC Document. This is violation of my consumer rights. CHEXSystems additionally sends a letter to me telling me they " verified these as accurate '' However they do not provide what they verified was accurate did not send me any information as to how their investigation took place, and did not provide any proof of accuracy. Additionally ChexSystems continues to report fraudulent addresses and names on my ChexSystems Report, once again a violation of law, they continue to give out my ChexSystems report as well, and continue to allow companys to post inquiries to my chexsystems report, even with a Fraud alert, and security freeze. This is costing me alot of damage to myself and credit. As not only did the fraudster use my chexsystems reports to make inquiries, additionally chexsystems took my chexsystem score down to almost below minimum due to these inquiries. Again in which i did not initiate. I have sent them a law enforcement document. The Law for the FCRA does not require a consumer to have the FTC report signed by a law enforcement officer. I am in the State of Texas and no where does it state i MUST Have this document signed by a LAW Enforcement officer to have fraudulent information blocked from my consumer file. AGAIN ChexSystems refuses to follow all law 's and protocols put in place to protect consumers. Again i DO not have to by law get a law enforcement officer to sign the FTC document for you as it is ALREADY sent to law enforcement. No where in the State of Texas nor FCRA laws does it state that a consumer has to by law obtain a signature of a sworn officer on a FTC report to have fraudulent information blocked as a result of identity theft. Please do find the SPECIFIC Law stating that i must have a law enforcement officer sign the report before its valid. The FTC Already reports this to law enforcement and the site was built to support victims of ID theft and all companies have complied BESIDES ChexSystems they continue to violate and abuse the FCRA laws. Also they are providing false information on their website which shows you have a right to have information blocked from your file if you are victim of ID theft. Straight from their website. In their latest response they again only state that i have to by law have a enforcement officer sign the document before they will block anything, yet they don't show the ACTUAL Fact of law that shows this information. In the State of Texas that is not a law. You have a right to choose to have a Law Enforcement officer involved or not.

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