Consumer complaint received 2020-03-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
Product: Checking or savings account
Sub-product: Checking account
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:
I submitted an online dispute to ChexSystems regarding the accuracy of information being reported on my consumer report. 

I have received several letters from this company verifying the information as accurate. This complaint serves as notice that comparing notes with the bank in question is NOT verification. 

Therefore, I am requesting the following information regarding the XXXX XXXX XXXX XXXX account, # XXXX : 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported.

2. What certified documents were reviewed to conclude your investigation?

3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified documents.

6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7. If you reply yes to the above then : Who did you speak with? What was the date? How long was the conversation? What was their position? What number did you call? What is the name of your employee that spoke directly to the above party? What is the position of your employee that spoke to the above party? How long has that individual been employed by your company? What type of training was provided to this employee in order to investigate items of this kind? Were there any e-mails or written communications between employees of your company and the above party?

8. If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account ( s ) in question.

9. Please provide the date of the commencement of delinquency.

10. Please provide the SPECIFIC date reporting of this item will cease.

-- -- -- -- -- -- - Enclosed with your response to the above questions, I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. My initial dispute was detailed and directly related to the account ( s ) in question. A template response will not be an acceptable response. 

If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. 

If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. 

Failure to comply with federal regulations established for credit reporting agencies is investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining careful record of my communications with you on this matter, including my CFPB complaint.

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