Consumer complaint received 2017-03-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
ChexSystems is NOT replying to my claims. 
The FCRA Section 605B does NOT allow ChexSystems the right to NOT block items on my credit report with them, because ChexSystems " thinks '' that my police report, is LIMITED to the time frames I THOUGHT the ID theft occurred. ChexSystems is NOT blocking ID theft items because they are interpreting the law in their own way. I have provided them copies of the law to show that they are totally incorrect in their interpretation. They feel they have answered my claims when in fact they are lying and avoiding my claims. Section 605b of the fcra does not allow any time frames to be interpreted into the law it only allows for them to block the items I claim as identity theft if I submit an identity theft report. Check systems must block the items within four days of receiving everything that the law requires of me which I have provided them several times. Their refusal to act according to the law is my claim here. They interpret the law differently than the law is written. That is illegal and they are breaking the law by doing this because only Congress can rewrite their laws and only the courts can interpret the laws to have them be valid period check systems does not belong to either one of those entities and so they have to follow the law and not rewrite the law period my claim is because I was a victim of identity theft since the XXXX 's, and when I filed the police report in XXXX I was not aware of the full extent of the identity theft or how long it would last. Section 605b of the fcra does not give time frames or allowances for the credit reporting agencies to interpret the law and say your identity theft claimed items do not fit into your police report. That is what they are wrong and breaking the law. This is what I want them to respond to. The fact they are not reporting XXXX or XXXX or XXXX on their systems anymore is nothing to do with them period I did all the work to get those things removed from my personal information all they had to do was follow up and see that the company did not want to report anymore. They act like they did something when all they did was harm me for over two years with XXXX and XXXX and three months with XXXX period because they reported those items against the law. Please have check systems reply to these claims and not how they 're trying to divert attention from the fact that they are breaking the law and rewriting the law and think their policies are the new law. All I have to provide them is a copy of an identity theft report and then ten years after that report I can say I 'm still a victim of identity theft and that 's identity theft and they have to block that item without question within 4 business days. The fact they 're saying it does n't fit into the police report his where they are lying and breaking the law and they can not reinterpret the law the way they are.

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