Consumer complaint received 2017-04-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Chexsystem once again does not deal with my issue. My complete knowing of ChexSystems, their policy of stating that a police report filed six years before the current identity theft situation, arising in a victim 's life, they demand a new police report or an amendment be filed, that does not need to be filed. Chexsystems has claimed that my police report is outdated because it does n't take place when the new identity theft has occurred. This is my claim, that ChexSystems is avoiding they break the law by saying they can interpret the law to demand a new police report or not talk to you for over two and a half years. From XX/XX/XXXX until XX/XX/XXXX when I first filed a complaint against them with the Consumer Financial Protection Bureau chexsystems refused to talk to me they hung up on me several times over the course of those two and a half years. Only since the Consumer Financial Protection Bureau has gotten involved has ChexSystems started communicating again. they are continuing to lie and avoid the issue. Section 605b of the Fair Credit Reporting Act does not require any dates or times for a police report to be filed whether it be 10 years ago or 20 years ago that the initial police report was filed that police report is still valid in XX/XX/XXXX as the law demands it to be. ChexSystems is trying to reinterpret the law and to demand new documents when the law does not require these. So until Congress rewrites the law chexsystems has to follow the law. They did not do anything to try to accommodate me for two and a half years. that is a total lie because they treated me rudely and disrespectfully and hung up on me when I try to tell them what the law actually said. since the Consumer Financial Protection Bureau got involved I got to speak to the asst. general counsel XXXX XXXX. he understood that the Law did not give ChexSystems the right to do what they were doing by demanding new reports or amendments to old reports, and he is the one that cleared up the identity theft that I have been the victim of for over 20 years. Please Force ChexSystems to respond to the claims that their policies need to be changed to find that they are guilty of breaking the law and demanded they follow the law instead. They do n't simply ask for a police report that is a total lie. They demand new police reports or amendments to police reports because they feel that the police report is outdated. The law does not require any of that but ChexSystems feels they can do that because nobody holds them accountable and that 's what I 'm attempting to do and they are not responding to my claims. They are lying they are breaking the law and because they finally followed the law with me individually they are still probably harming thousands if not millions of other people because they feel above the law. They act as if their interpretations of the law become new law. they are not Congress and they are not the courts so they need to follow the law which says they only need to get a police report regardless of any dates about identity theft and then the consumer States what information is identity theft in their report and ChexSystems is supposed to block this information within 4 business days of getting the police report. Check systems can not say this police report does n't meet our requirements and we do n't have to block these items which is exactly what chexsystems does. for two and a half years they did not talk to me about items that were on my credit report that were 100 % identity theft as proven by the recent removals of that information and only because the Consumer Financial Protection Bureau submitted my complaint to them several times. Chexsystems needs to be held accountable and answer to these claims because they are 100 % true and factual and I state that under the penalty of perjury of the United States.

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