Consumer complaint received 2017-05-24
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:
XXXX  2017,  I submitted an online VALIDATION dispute with  Chexsystem b eca use 3 b ank accounts were reporting that do not belong to me.  Two  of the accounts fell off because they did n't have proof of the accuracy of the reports, however one remained and is showing as " vertified ''. I sent a letter to  Chexsystem    XXXX  2017    asking them to furnish me with the undisputable proof bearing my signature that this debt is  VALIDATED  and to furnish me with how they verified the account. When I called  XXXX   2017  I was told they would mail me the proof however all I received was an updated report with the  XXXX  account still reporting. I have asked for proof twice now and they are unable to furnish it because of that and the fact the investigation is now 60 days late, the account need to be removed from my report.     My second is I have been disputing inquiries  XXXX   2017 . My initial dispute for VALIDATION was online and the results came back as " verified ''. When I called in    XXXX   XXXX     2017  to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute  XXXX   XXXX ,  2017  in writing asking AGAIN for VALIDATION and Chexsystem returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts.. It has now been  60plus days and 3 d isputes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries.  Chexsystem  is now in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS, ONE MINUTE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but when I call they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely speak English and I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Please just remove all har d INQUIRES, it is  preventing me from obtaining a bank account when I have n't had any of these account nor initiated these inquiries and have sent a fraud alert along with a identity theft report.

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