Consumer complaint received 2022-06-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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:
CHEXSYSTEMS ATTN : CONSUMER RELATIONS XXXX XXXX XXXX. XXXX XXXX XXXX, MN. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl. XXXX CONSUMER ID : XXXX RE : XXXX XXXXXXXX XXXX RE : XXXX XXXX RE : PREVIOUS DISPUTE LETTER RE:3RD CORRESPONDENCE FAILURE TO COMPLY Dear Sir/Ma'am, DELETE ACCOUNTS FOR FAILURE TO PROVIDE ALL REQUESTED DOCUMENTATION AFTER SUPPOSED VERIFIED RESULTS I XXXX XXXX/Consumer to ChexSystems in response to your continued VIOLATIONS to my request for PROOF of your agency verifying the above accounts.

This is my 3rd and FINAL attempt to have this issue resolved with your agency. I am demanding your agency permanently remove/delete the above items for failure to provide proof of your re-investigation. As you continue to violate my Consumer Rights by ignoring all requests listed here as well as requests in previous correspondence. 
CHEXSYSTEMS IS MISREPRESENTING MY CHARACTER FOR MONETARY GAIN BY COMPILING INFORMATION AND SELLING IT TO YOUR CLIENTS, VENDORS, STAKEHOLDERS, AND/OR, ANY FINANCIAL INSTITUTIONS. CHEXSYSTEMS PAID PROCESS IS AFFECTING MY LIFESTYLE, MY FAMILY, MY PRIVACY, MY HOUSEHOLD, AND MY BUSINESS. WHAT IS CHEXSYSTEM MONETARY GAIN FROM COMPILING, SELLING, STORING, AND RETRIEVING ANY/ALL OF MY INFORMATION IN THEIR SYSTEM? HOW MUCH IS MY CONSUMER PROFILE WORTH ON YOUR SYSTEMS?

I PREVIOUSLY requested CHEXSYSTEMS FULL BACKGROUND INCLUDING ALL KEY COMPONENTS, MAESTRO FORMS, QUALIFIED, and COMPONENT, OFAC, IDV PASS/FAIL DETERMINATIONS AND PROCEDURES USED, DATA TRANSFERRING SYSTEMS, CLEAR DEFINITIONS OF YOUR CATEGORIES AND HOW YOUR CLIENTS CHOOSE BETWEEN THOSE CATEGORIES. I REQUESTED ORIGINAL BANKING CONTRACTS, CANCELED CHECKS, AND SIGNATURE CARDS FOR BOTH ACCOUNTS YOU ONLY SENT 1 SIGNATURE CARD, YET REPORT TWO ACCOUNTS, NAME, ADDRESS, PHONE NUMBER, AND TITLE OF PERSON CONTACTED AT EACH FINANCIAL INSTITUTION.

I AM NOT REQUESTING YOU RE-INVESTIGATE ALL YOU CONTINUE TO SEND ME ARE BANK STATEMENTS. THIS IS NO LONGER A DISPUTE ABOUT IF THE ACCOUNTS ARE MINE OR NOT AT THIS POINT. CHEXSYSTEMS HAS LOST THE PRIVILEGE TO DELETE THE ABOVE ACCOUNTS. CHEXSYSTEM IS IN VIOLATION OF MY RIGHTS AS A CONSUMER Your continued silence is unacceptable. 
15 USC 1681n - Civil Liability for Willful Noncompliance - Commerce and Trade 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 USC 1681i - Procedure in Case of Disputed Accuracy FCRA 611 ( ( a ) THIS IS NOT A REQUEST FOR A 3RD RE-INVESTIGATION AS YOUR AGENCY HAS LOST THAT PRIVILEGE. CHEXSYSTEMS REFUSES TO SEND ME THEIR METHOD OF VERIFICATION AFTER A SECOND RE-INVESTIGATION I DID NOT ASK FOR A SECOND RE-INVESTIGATION. I ASKED FOR A PERMANENT REMOVAL/DELETION OF BOTH ACCOUNTS DUE TO THEIR FAILURE TO PROVIDE THE REQUESTED INFORMATION MOV AND FILES/DATA FORMS SHARING THROUGHOUT THEIR SYSTEM.

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