Consumer complaint received 2018-05-05
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: 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:
Chexsystem 's refuses to accept my FTC Report from the Federal Trade Commission, which is proof of identity theft as a source of documentation to remove the inaccurately reported checking account information which XXXX also advised me they purposely are reporting it inaccurately. The Checking account lists that there were " Account Abuse ''. Per the credit union, they reported this information after closing the checking account even though the account was current at the time of closure. The accounts were never abused per the credit union, one dispute was filed for transactions that occurred online as a result of identity theft. These transactions were for a online streaming service called XXXX. Per the credit union, they closed this checking account due to this dispute. At that time they negatively withdrew the charges twice, and then charged a fee. They never notified me " The Consumer '' about any of these charges, nor disputes nor ever provided any information on any of this. It was months later when i had to actually walk into a branch and ask them if they knew anything about the ChexSystems report. They said they weren't sure as they show the checking account current and closed and are not sure what happened. They called their management which again told them they did not report any information to chexsystems. 

Upon speaking to XXXX further, they are advising me they are reporting this information as inaccurate even though i have reported identity theft. They are reporting this because they say since the credit card accounts were " Charged off '' that automatically shows account abuse and they will report it for every account they have in their institution. Even though it isn't true. XXXX continually unblocked and blocked my online access for many months this occurred. Not only do they report this information inaccurately they show addresses i have never lived at including XXXX XXXX XXXX XXXX TX XXXX. Furthermore i reviewed the Fair and Accurate Credit Transactions Act chexsystems previously mentioned in that report this is mentioned " Notify law enforcement ; or Determine that no response is warranted under the circumstance. '' Under these circumstances since XXXX verified that they reported the inaccurate information on purpose to me and the NCUA. This information should be blocked from my file immediately. I as a consumer have a right to determine if law enforcement is warranted. They openly admitted to reporting inaccurate information. Therefore under the FCRA, I am submitting to you a statement of identity theft from the Federal Trade Commission which is put in place to protect consumers against identity theft and to have this inaccurate information blocked immediately.

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