Consumer complaint received 2019-07-15
Company: Certegy Holdings, LLC
State: IL
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:
On XX/XX/XXXX, someone fraudulently re-used one of my personal checks at XXXX 's in XXXX IL for over {$600.00}. A check original written and cleared, in XX/XX/XXXX to XXXX, was used by thieves. They erased XXXX stamped processing information, wrote in XXXX, printed the amount and forged my signature. 

A police report was immediately filed, ( no copy received yet - on going investigation ), the money has been returned to my account. I am one of the millions whose information was breached by Certegy several years ago and now they allowed or did not required id verification for my check written at XXXX at XXXX XXXX at night for over {$600.00}, but did have my driver 's license noted of RETURNED check on file. 

The money was returned within a few days to my account, with police verification of XXXX 's video that it was not me. However, XXXX 's or Certegy has been able to have my Driver 's license noted of a {$600.00} RETURNED check on my records, not a FRAUD check but a RETURNED check. I own several businesses, which this is now going to affect my credit, trying to renew any of my credit lines. 

I have been back and forth with XXXX and Certegy, with both stating I need to contact the other party. An innocent victim being treated like a ping pong ball trying to save her credit and business reputation. 

I own several businesses, have had a XXXX XXXX  trying to protect all my credit cards, credit lines, loans etc, only to fall victim of fraud and am now being treated like a criminal. I am unable to write a check from my new account for groceries, because my Driver 's license number has been erroneously noted as RETURNED instead of FRAUD. 

This will impact ALL my business financial dealings. Due to the economy, we have already been struggling trying to maintain our credit rating, and now due to XXXX/Certegy allowing a fraudulent check be issued on my account, I am faced with having to fight to renew credit lines, vendor harassment because false information has been placed on my credit information. 

I am unable to obtain an attorney, until I receive the police report, which has been delayed due to on going investigation. I will be contacting an attorney for the harassment,, negative impact on my credit, personal/business embarrassment when the grocery clerk announced CAN'T ACCEPT CHECK YOU HAVE A {$600.00} RETURNED CHECK TAGGED TO YOUR DRIVER 'S LICENSE. At this time, I do feel XXXX/Certegy whoever is responsible for getting Returned tagged to my DL instead of FRAUD, is liable for my time off work, bills I'm having to pay late, harassment received trying to write a check, the negative impact its causing on my credit affecting both my business ' financials and hospital bills when I'm admitted for XXXX, XXXX XXXX XXXX and XXXX this has inflicted. What kind of sum do you put on that? I am demanding reimbursement of {$7500.00} which I believe is low, considering the impact XXXX/Certigy has had on me personall, financially, my businesses, etc.

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