Consumer complaint received 2018-06-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I applied to open a new business checking account at the XXXX, XXXX  location of XXXXXXXX XXXX. On the following day, XX/XX/XXXX I was notified the bank declined to open the account due to information provided to them by Chex Systems. I was told I would need to contact Chex Systems to get more information. While this is not the primary reason for my complaint, I have an issue with any organization that has information about me that is impacting a financial or credit transaction and that organization chooses not to provide me with that information. My complaint however is directed at Chex Systems. I requested my Chex Systems report via Chex Systems online request form on Thursday XX/XX/XXXX. I provided them with my personal information as well as an email address. Other than the web form indication that I had completed the form, I received no email confirming the report request was received or would be processed. Friday XX/XX/XXXX I  checked my email and still did not see any confirmation. Saturday XX/XX/XXXX I requested the report a 2nd time to be sure I would receive it. Monday XX/XX/XXXX after more than an hour of research online I found instruction and a phone number to reach human support for Chex Systems. The female individual indicated that my online report request was received Thursday XX/XX/XXXX and was mailed Friday XX/XX/XXXX. I understand Chex Systems is required by the Fair Credit Reporting Act to provide the report within 5 days and assume that to mean 5 business days. As of Thursday XX/XX/XXXX I have not received any report from Chex Systems and XXXXXXXX XXXX still refuses to open a checking account on the basis of Chex Systems report. I understand that Chex Systems is in violation of the Fair Credit Reporting Act for failing to provide me with the report. This is the primary reason for my complaint. 
Additionally, this chain of events is preventing me from opening a bank account and engaging in general business activity for a newly formed LLC. For more detail about the gravity of this situation and how it is affecting me and probably other consumers I will continue to elaborate. XXXX, a banker at XXXXXXXX XXXX, actually mentioned XXXX XXXX initially when she called on XX/XX/XXXX to notify me that they would not open the account. When I pressed for more detail she would not provide any more information and said I would need to contact Chex Systems. I called The XXXX XXXX XXXX on Saturday XX/XX/XXXX to see why or what they would have reported me. XXXX in the fraud department said she could not find any record of my name or social security number in their system and could not do anything beyond that, but she was as helpful and sympathetic to my request. On Monday XX/XX/XXXX I went to the XXXXXXXX XXXX branch in XXXX, XXXX and spoke with the branch manager XXXX XXXX to try and get all information about me that was provided by Chex Systems. He refused to provide the name of XXXX XXXX XXXXXXXX XXXX or anything else that pertained to Chex Systems or the reason I was declined for a bank account. I stated my position and he agreed to ask the bank 's compliance department for permission to release the name ( XXXX XXXX XXXXXXXX XXXX ). On  Thursday XX/XX/XXXX I called XXXX and he did state the company listed on my Chex System report was indeed XXXX XXXX XXXXXXXX XXXX of XXXX, XXXX. I contacted XXXX at XXXX   XXXX XXXX XXXX again on Thursday XX/XX/XXXX and she contacted Chex Systems which stated there was no inquiry or activity reported by XXXX XXXX XXXX XXXX related to my name or SSN. I am EXTREMELY upset by XXXXXXXX XXXX 's decision to decline my bank account on the basis of Chex Systems and the simultaneous refusal to help identify what info they have from Chex Systems that is causing them to decline my account. XXXX has also stated that is is likely no other bank will open a new account for me based on this same Chex Systems 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