Consumer complaint received 2022-11-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Chexsystems continue to negatively affect the way that I do banking due to fraudulent inquiries and accounts that are in my Chexsystems report. theyre reporting fraudulent inquiries. Theyre reporting fraudulent accounts that are charge-offs which do not belong to me. I have repeatedly warned them and reached out to representatives is there about these issues that I continue to have that adverse actions that negatively impact the way XXXX able to obtain banking or credit products have filed this CFPB complaint also a FTC complaint and other documents to the credit reporting agencies as well as data furnishers and also to Chexsystems these items continue to be on my Chexsystems and they an adverse action when it comes to me being able to apply not only for credit products, but also banking products with banking and lending institutions at this moment, I want Chexsystems to ceased and desist, reporting all and accuracies and fraudulent accounts and fraudulent inquiries not only to the banking institutions but on my Chexsystems report I have a right to privacy I recently had them send a copy of the Chexsystems report and I found so many inconsistencies inaccuracies and fraudulent accounts these are the dates and times, and the institutions listed below directly from Chexsystems Reported For : ACCOUNT ABUSE ; ANY AMOUNTS OWED HAVE BEEN PAID ; this is a negative fraudulent account that has been reported bye Chexsystems I repeat cease and desist all reporting of this account this is another account that is being reported by Chexsystems fraudulently this is the name, the institution the time and the date which is Chexsystems Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Reported SSN/ID : XXXX Driver 's License : XXXX State : CA ChexSystems Date of Closure : XX/XX/XXXX XXXX # : XXXX / XXXX Original Charge Off Amount : {$940.00} Closure Status : PAID IN FULL Closure Status Date : XX/XX/XXXX this is another fraudulent account that has been reported by Chexsystems which is totally inaccurate and fraudulent under the FCRA XXXX It Hass to be 100 % accurate. This is fraudulent. This is not my address. This is not me. This is also due to identity theft, which is been reported which you will see in the attachments below to all of the credit reporting agencies, they have removed these accounts only Chexsystems continue to use fraudulent addresses, fraudulent accounts and fraudulent inquiries on my consumer reports, and on their check system reports.

These are fraudulent inquiries the dates and times and the addresses and what they say is fraudulent. I have sent multiple documentation and spoke to them about these inquiries that are on my Chexsystems report Inquiries Viewed By Others This section refers to transactions involving you and are the result of someone accessing your ChexSystems information, typically in connection with a business transaction you initiated with them. The company listed on this type of inquiry requested information from your consumer file on the date ( s ) specified. These inquires may impact your consumer report and may be included in reports to others. These inquiries remain on your file for up to 3 years. 
Inquirer : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, PA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Name Provided : XXXX XXXX Address Provided : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN/ID Provided : XXXX Driver 's License : XXXX State : CA Email : No Information Found Inquirer : XXXX XXXX  ; XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Name Provided : XXXX XXXX XXXX Provided : XXXX Email : No Information Found Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Name Provided : XXXX XXXX XXXX Provided : XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX CA XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, MD XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Name Provided : XXXX XXXX XXXX Provided : XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone Number XXXX XXXX Inquiry Date : XX/XX/XXXX Name Provided XXXX XXXX XXXX Address Provided : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN/ID Provided : XXXX Email XXXX No Information Found Inquiries Viewed Only By You This section refers to transactions you may or may not have initiated. For this reason, you may not always recognize the source. Inquiries made by medical providers may also be included in this section. The information listed in this section is only viewable by you. It is not included in reports to others and does not negatively affect your consumer report. 
Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, PA XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Name Provided : XXXX XXXX XXXX Provided : XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX Phone Number XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Name Provided : XXXX XXXX XXXX Provided : XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX Phone Number : XXXX Inquiry Date XXXX XX/XX/XXXX Name Provided XXXX XXXX XXXX XXXX Provided : XXXX Email : No Information Found Address Provided : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Chex Systems Inc Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Dear Chex System There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that the banks listed in this PACKAGE and all UNAUTHORIZED INOUIRIES Yet again, vou have failed to provide me with a copy of any viable evidence from these banks and the fraudulent use of my identity in connection with these inquiries are a violation of USC 15 1681b and USC 15 1681 of the FCRA Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at ( Name of Bank ) regarding this alleged account. I am formally requesting a copy of any documents provided by ( Name of Bank ), bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should vou continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX  XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Failure on vour behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act PERMISSIBLE PURPOSE LETTER CHEXSYSTEMS XXXX XXXX XXXX XXXX XXXX RE : XXXX # XXXX To whom it may concern, I, XXXX XXXX XXXX never gave ( CHEXSYSTEMS ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC $ 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following account 's 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Dear CHEX SYSTEMS There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : also, there are multiple addresses that are being reported here in my Chexsystems report. All of these addresses are fraudulent. Theres only one address and thats the address that is on my identification and in which where you will see attached copies of any other address other than the one that I have is a fraudulent address this is a misrepresentation and also in accurate if it is not accurate, it must be removed from my consumer report these in accurate inconsistencies here with Chexsystems is really affecting the way that I am able to obtain credit and also build bank and relationships. She just dispute with Chexsystems report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

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