Consumer complaint received 2021-05-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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  XXXX XXXX refused to properly investigate 3 unauthorized charges. They say I owe but my bank statement show I dont owe. They reported me to ChexSystems without my knowledge and indicated it as account abuse. 
I contacted ChexSystems and they supposedly investigated my dispute. 
ChexSystems never investigated my dispute with ChexSystems and didnt even want to tell me they were ruling in favor of the bank. ChexSystems representative change their story 3 times after I showed them the proof I dont owe. I walked them through the documents that they received from the bank especially my last bank statement. XXXX filed with ChexSystems on XX/XX/2020 stating I owe {$440.00}. My bank Statement from XX/XX/2020 - XX/XX/2020 shows a XXXX balance and that I dont owe anything. At first ChexSystems stated that i filed a dispute with ChexSystems not for the balance that was reported by the bank but for the 3 authorized charges with the bank. THE DISPUTE I FILED WITH CHEXSYSTEMS WAS FOR THE BALANCE THAT WAS REPORTED BY THE BANK. then they ChexSystems changed their story and stated I filed a identity theft complaint with ChexSystems when they were made aware of my bank statement and they told me that they were going to leave XXXX  XXXX XXXX complaint on my credit file and that they dont need to remove it and that the bank is the only person that can remove it from my ChexSystems account and stated I needed to turn in a police report for the identity theft. I never filed a identity theft claim with the bank or ChexSystems. It was obvious that ChexSystems are working for the banks and do not investigate disputes honestly and fairly. They dont even investigate their own complaints. ChexSystems went by a written statement with no verifying proof for the statement when they have the proof on documentation right in front of them. ChexSystems are conducting unfair business practices. The disputes with XXXX  XXXX XXXX I filed are for 3 unauthorized charges that occurred on XX/XX/2020. The merchant never provided any documentation that confirmed the transactions on the XXXX. None of the merchants documentation showed the transactions on the XXXX and part of the documentation showed an entirely different debit card and not mine. The bank ruled in favor of the merchant that provided paperwork for a different debit card account and not for what I disputed but the bank found in their favor stating I received services on the XXXX, I was not there to receive services on the XXXX and the merchant never provided documentation showing I was there on the XXXX. XXXX XXXX XXXX even extended the process time without providing any credit and investigated it as a charge but didnt follow the charge dispute process. The bank even closed the 3 disputes because it started to begin its XXXX month and without providing me any documentation from the merchant or allowing me to submit my proof. Also they never sent me any documentation notifying me that they completed the investigation before they closed the disputes. i Advised ChexSystems that the banks claim must be taken off my file because it is proven inaccurate and thats why they are now trying to say that I filed an identity theft claim with ChexSystems.

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