Consumer complaint received 2020-10-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: KS
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:
Well I keep disputing fraudulent or incorrect activities via XXXX, XXXX, XXXX, XXXX XXXX  and XXXX  or XXXX, telling them they keep verifying inaccurate information which I can provide evidence to a judge but I'm not obligated to provide evidence of nonexistent actions to credit agencies I don't want contact with. So I applied for something and was denied by XXXX  XXXX, who sent me a letter naming early warning systems as the reporting agency they believe. Over me. So I investigate XXXX  and attempt to pull my consumer report from their website but they don't allow any online or alternative way of communication with them. So I look into other companies similar to that and come across chexsystems. I pulled chexsystems consumer report and chexsystems sends me a report with no credit accounts or student loans like the credit bureaus insist upon showing to anyone who asks, despite repeated disputes. However, they do have addresses in a state I've never been to, hard inquiries that were all made while I was incarcerated and a birthday that's not mine along with the last 4 digits of a ssn to *protect my privacy* along with the statement that that SSN became available to use in Kansas in the year AFTER the year of the birthday on file.

They inform me they are REinvestigating because it appears that my identifying information is together with that of another individual, and they need ME to provide identification to them, in the form of a state photo id and the SSA. Then they say I can dispute any incorrect information THEY may have, or I can engage them to initiate a dispute to the
carefully unnamed source that provides them their information. So I get on their website to dispute inaccurate information and it's impossible to do with acceptance of their forced recognition of MY CONSENT to their activities. Well, I never consented in the first place and I'm not going to start now. Nor will I provide my private identifying information, since they're obviously not able to verify their file as correct and mine in the first place. What I see is a fraudulent credit reporting agency defaming my character and making sure I'm financially blacklisted from the entire financial industry who has conspired to cause me harm but is technically in breach of THEIR fiduciary responsibility to THEIR clients, who is NOT ME but other CRAs who have been verifying false information and
disclosing it maliciously despite my repeated disputes. Then, a few weeks ago, I tried to open a credit sesame account but they DENIED my registration and showed that there's an account already associated with my information. So I've now emailed THEM three times informing them they need to handle that and they don't care. But that's the only evidence I provided to FTC or whichever federal agency that is in charge of oversight of fraud. There's a fraud alert on my account but I thought it was due to an individual identity thief and I'm officially claiming the CRAs and data brokerage firms are the cause of the fraudulent misrepresentation of my alleged information. I've suffered greatly because of this I'm not calling student loan agencies I've never heard of,
I'm not providing accurate information after learning how unethical they are, and I just found out today that *my* " information '' was included in the security breach of XXXX  from XX/XX/2017 and I feel like if they knew that, why did I have to stumble upon that information several years after? If XX/XX/XXXX accepts my claim against that breach, why are they ignoring my disputes for fraud? And why are they more credible than i? I'm not known as dishonest or malicious OR incompetent!

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